Credit card के अलग अलग charges [Hindi me jaankari]

Credit card charges – Aaj ke finance tips me main aapko credit card ke upar hindi me jaankari dene jaa raha hu jisme main aapko credit card ke alag alag charges ke baare me aapko batayunga. Waise tou aap sabhi ko pata hoga ki credit cards private companies ya phir banks provide karte hai for online shopping, online purchase, etc.

Ab yaha par baat ye hai ki credit cards se aap sabse pehle services lete ho phir baari aati hai payment ki. Aur jab aap payment karte ho tou uske sath jud jaate hai kuch charges. Ab ye charges open bhi hote hai aur hidden bhi. Hidden se mera matlab hai kuch aise bhi charges hote hai jo company pehle disclose nahi karti hai aur jiske baare me hume baad me pata chalta hai.

Tou chaliye aaj ke article me main aapko credit card ke baare me jaankari dete hue uske kuch major charges ke baare me aapko bata du.

Different types of charges in credit card – Credit card ki जानकारी हिन्द में

Cash withdrawal charges-

Ye tou waise common charges hai jisme aap jab bhi cash withdrawal karenge tou aapko kuch extra charges pay karna padega.

Transactions charges-

Transactions se matlab hai लेन देन| Matlab aap jitne ka len-den karte ha uspar credit companies kuch percentage charge karti hai.

Foreign currency charges-

Waise tou jyadatar aaj kal credit cards international payment ke liye use me aate hai. Ab har ke country ke currency ke anusaar unke different charges hote hai jo aapko credit authority ko pay karna padta hai.

Mobile alert annual charges-

Kuch kuch credit companies aapke mobile services ke liye bhi annually charge karti hai. For example jab aap har ek transactions ke notifications activate karate hai!

Yaha tak ki Indian public sectors ke banks bhi ye charges annually ek baar charge karte hai.

Annual fees-

Ye ‘annual credit card charges’ ke taur par charge kiye jaate hai jiska ek fixed amount aapki credit card company aap se leti hai. For example, Rs.1000 or Rs.3000. Ye alag alag company wise differ karti hai, aur aapke transaction limits ko bhi follow karti hai.

Overdraft interest charges-

Agar aap apne credit limits se jyada transactions karte hai then ye charge aap se liya jaata hai.

Joining charges-

Waise tou majority private credit card companies bina kisi charge ke aapko credit cards provide karti hai, aur phir after credit service aapse annual fees leti hai. Lekin phir bhi kuch companies hai jo aapse one time joining fees leti hai.

Duplicate statement charges-

Ye wo account statements hote hai jo aapko deliver kiya jaate hai. Inme aapke a/c se related transactions details hote hai jo physical form ya phir hardcopy me aapko diye jaate hai.

Card replacement charges-

Agar emergency me aap apne card ko replace karna chahte hai then credit card companies aapse iske charges legi!

Railway ticket purchase charges-

Agar aap apne credit card se railways ke ticket purchase karte hai then iske liye aapse charge liya jaayega jise ‘railway ticket purchase fees’ kehte hai.

Petrol surcharge-

Kuch credit card companies aapke petrol consumption par bhi surcharge leti hai!

Cash processing fees-

Ye charge aapse tab liya jata hai jab aap apne credit dues clear karte hai kisi ATM se cash payment karte waqt!

Additional card charge-

Agar aap apne primary card ke sath ek extra additional card rakhna pasand karte hai tou ye charge aapse liya jaayega.

Cheque pickup charge-

Agar aap apne credit cards ke dues clear karne ke liye ‘cheque pickup services’ lete hai tou ye charge aapko pay karna padta hai.

Service charge-

Ye charges aapko tab pay karna padta hai jab aap koi online service lete hai. Aur wahi online company payment gateway ko process karne ke liye ye charge leti hai.

Revolving credit charge-

Agar kisi specific time limit ke andar aap apne dues clear nahi karte hai tou, uus due par extra charges revolve ho jaate hai aur phir aapko next cycle me puraa total due clear karna padta hai. Actually ye charges aapke specific time limit ke baad revolve hone lagte hai.

Conclusion-

Aaj ke iis hindi finance guide me maine purii koshish ki hai aapko credit cards ke alag alag charges batane ki! Aise hindi finance money tips main aapke liye aur bhi likhte rahunga. Keep visiting and happy reading!

 

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