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Credit card kya hota hai? Credit card ke fayde aur alag alag charges

Credit card kya hota hai, Credit card ke fayde aur nuksaan :-

Namaskar dosto, swagat hai aapka Anicow.com par. Aaj main aapko batane wala hu Credit card kya hota hai, Credit card ke fayde aur uske nuksaan.

Chaliye dosto sabse pehle samajhte hai credit card kya hota hai! Main simple tarike se aapko samjhane ki koshish karta hu.

Credit card kya hota hai
Credit card kya hota hai, Credit card ke fayde

Credit card kya hota hai?

Dosto credit card thik debit card ki tarah hii hota hai. Dono hii online shopping, online payment, digital payment karne ke liye hote hai.

Lekin dono me kaafi difference hota hai. Chaliye samajhte hai!

Jab koi bank hume debit card deti hai tou uska connection sidha humare bank account se hota hai. Aap jab debit card ka prayog digital payment, online shopping ke liye karte ho tou paisa sidhe aapke bank account se kat jate hai.

Credit card me aisa kuch nahi hota. Koi bank ya phir private firm aapko credit card deti hai kuch limits ke sath. Aap phir uss credit card ka prayog online shopping, digital payment ke liye karte ho. Phir uske baad aapko apne credit card ke bill ka payment uus bank ya private firm ko karni padti hai aur wo bhi interest ke sath!

Credit card ke fayde aur nuksaan-

Waise tou kaha jata hai ki credit card lena nahi chahiye kyoki isme interest rates kaafi high hote hai aur agar aap credit card ke bill ka payment samay par nahi karte tou aapko penalty bhi deni padti hai. Dono ko milakar interest rates lagbhag 25% se upar jata hai. Isliye middle class ke liye ise afford karna thoda mushkil hai.

Lekin aaj kal aise bahut se credit cards nikle hai jo middle class ke liye budget me aate hai. Ek middle class inhe apne budget ke andar easily afford kar sakta hai. Unn credit cards ke baare me hum yaha aage charcha karenge.

Chaliye ab kuch aise Credit card ke fayde ke baare me jaante hai jo sach me faidemand hai-

Online shopping par 60% tak ka discount – Agar aap hamesha online shopping prefer karte hai tou aapko jaankar hairaani hogi ki agar aap credit card se payment karte hai tou aapko 60% tak ka discount milta hai.

Agar aap Amazon, flipkart, snapdeal, lenskart jaise sites se online shopping karte hai tou shayad aapne ye dekha bhi hoga ki agar aap kuch special credit cards se payment karte hai tou aapko instantly 60% se jyada tak ka discount mil jata hai. Aur ye discounts sirf kuch special credit cards hii deti hai like SBI credit card, HDFC credit card.

Reward points plus cashback on online shopping – Sirf discount hii nahi balki aapko kai credit cards cashback offers bhi deti hai jaie HDFC credit card. Iske sath sath aapko reward points bhi milta hai jise aap apne account me redeem bhi kar sakte hai ya phir gift cards bhi le sakte hai jo aapko next purchase me kaam aata hai.

Credit card reward points – Ye feature tou bonus hai! Jaise aapko online shopping companies (amazon, flipkart) unke platform se shopping karne par reward points deti hai thik waise hii kuch credit cards aise bhi hai jinse agar aap online transactions karte hai tou bhi aapko reward points milta hai.

Aur ye reward points aapke credit account me judta hai. Ye credit card reward points aapko credit cards ke bill payment karte samay offer deti hai. Aur sabse achhi baat hai aapka credit card score bhi improve hota hai jo aapke future credit card ke pryog me madadgar hoti hai.

Emergency help – Credit cards aapke emergency situation me kaafi madadgar hai. Suppose kijiye aapke family me kisi ko major health issue ho gaya aur aapke bank account me utna balance nahi hai, tou aise emergency situation me credit cards aapke liye ‘sanjivni buti’ ka kaam karti hai.

Overall agar dekha jaaye tou credit cards ke kaafi fayde hai. Lekin aapko credit card lete samay kaafi research karna padta hai. Credit card ke actual fayde aapko tabhi milenge jab aap sahi credit card choose kar paoge.

Bina research kiye credit card lene se aap loss me bhi jaa sakte ho. Sahi credit card research karte samay aapko ek sabse badi baat ka dhyan rakhna hai, aur wo hai ‘hidden charges’.

Hidden charges wo charges hote hai jo credit card company sidhe-sidhe disclose nahi karti hai.

Tou chaliye ab jaan lete hai unn alag alag credit card charges ke baare me jinke baare me aapka jaan-na bahut jaruri hai. Jab aap inke baare me janoge, tabhi aap ek sahi credit card choose kar paaoge.

Credit card ke alag alag charges-

Cash withdrawal charges-

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

Transaction charges-

Transaction se matlab hai digital लेन-देन| Matlab aap jitne ka bhi len-den (transaction) karte hai uspar credit company kuch percentage aap se charge karti hai.

Foreign currency charges-

Ye international shopping ke samay lagta hai. Har country ka apna alag currency rate hota hai. Ab aise me aap international shopping karte hai tou aapko uus country ke currency ke anusaar foreign charges dene padenge.

Mobile alert annual charges-

Aapke mobile alerts, notifications, ke liye bhi credit card companies aapse ek amount annually charge karti hai. Ye jyadatar har credit card company charge karti hai.

Annual fees-

Annual fees har credit card company ka alag alag hota hai. Ye amount annually aapse liya jata hai. Credit card choose karte samay uus credit card company ke ‘annual fees’ jarur check kar le.

Aap 4 se 5 alag alag credit card company ke annual charges compare bhi kar sakte hai.

Overdraft interest charges-

Agar aap apne credit card ke ‘credit limits’ se jyada ka transactions karte hai, tou aap se ‘overdraft interest charge’ liya jaata hai.

Joining charges-

Waise tou aaj kal jyadatar credit card companies ‘joining charge’ nahi leti hai, lekin kuch companies aapse joining ke samay ‘joining charge’ le sakti hai. Isliye credit card choose karte samay joining charge jarur puchh le.

Duplicate statement charges-

Jaise bank me ‘Bank statement’ hota hai thik usi tarah credit card me ‘credit statement’ bhi hota hai jisme aapke ‘credit card usage’ diye rehte hai.

Agar aap credit card company se ‘duplicate credit statement’ lete hai tou aapko charge dena pad sakta hai.

Card replacement charges-

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

Railway ticket purchase charges-

Agar aap apne credit card se railways ke ticket purchase karte hai tou iske liye aapse special charge liya jaayega jise ‘railway ticket purchase fees’ kehte hai. Ye har credit card company charge nahi karti. Kuch particular company aise charges leti 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 card ke due clear karte. Jab aap ATM se ‘credit due’ clear karte hai tab aapse cash processing fees liya jata hai.

Additional card charge-

Agar aap apne primary credit card ke sath ek extra additional credit card rakhte hai tou ye charge aapse liya jaayega.

Cheque pickup charge-

Agar aap apne credit card ke due clear karne ke liye ‘cheque pickup service’ lete hai tou ye charge aapko pay karna padta hai. ‘Cheque pickup service’ me cheque ke jariye credit card due pay kiya jata hai.

Revolving credit charge-

Agar aap kisi particular month me credit card bill pay nahi kar paate hai tou wo due agle month add ho jata hai. Aur revolve hokar agle month aapko total due clear karna padta hai. Uss samay aapse ‘revolving charge’ liya jata hai.

Final words-

Umeed karta hu main aapko Credit card se related har ek jaruri baat bata paya hu. Jab bhi aap koi credit card choose kare tou upar diye gaye points ko compare jarur kare. Ye kuch aisi jaankari hai jo aapko ek achha credit card choose karne me aapki madad karegi.

Also read-

# Best credit cards in India

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Hi this is Anirudh the founder of this blog. By profession I am a web-developer cum internet marketer. I have started this blog in the year 2016. Now it has become a leading internet eMagazine which provides internet help and informational articles. Keep visiting Anicow.com for more informational articles and internet guide. If you want to contact me, then drop me an eMail at [email protected] ! मैंने इस website को specially हिंदी भाषा में हिंदी readers के लिए बनाया है, ताकि उन्हें हिंदी में internet help, technology, health, lifestyle, business से सम्बंधित महत्वपूर्ण जानकारी दे सकूँ|