Credit Card Ke Faide aur Nuksan Kya Hai

Aaj is article me mein aapko Credit Card Ke Faide aur Nuksan ke bare me batane wala hu. Jese ki aapko pata hi hai piche article me maine aap sabko Credit card ke bare me bataya tha, agar apne nhi padhi hai toh yeha se padh sakte ho- Credit Card kya hota hai. Phir bhi kuch log abhi tak Confuse hai ki unhe credit card lena chahiye ya nhi. Is liye yeha pe me aapko Credit card ke kuch Fayde aur Nuksan ke bare me batane ja raha hu. Muje puri puri ummid hai ki Credit Card ke kya faide hai aur Credit Card ke Nuksan ke bare janne ke bad aap yeh decide kar payoge ki aapko Credit card lena chahiye ya nhi. Agar aap Credit card aur Debit card me antar janna chahte ho toh is article read kare- Debit Card Aur Credit Card Me Kiya Difference Hota Hai .

Credit Card Ke Faide aur Nuksan

Agar aap Credit card lene ke bare me soch rahe ho toh aapke pas Credit card ke puri jankari hona chahiye. Kyun ki credit card ke kuch aisa Rules hai jinke bare me aapko pata hona bahut hi jaroori hai. Nehi toh aapke Credit card ke bill itna jada aayega jisko chukate chukate aapka tel nikal jayega. Is liye credit card ke Charges aur Interest ke bare me janle. Ek baat mein aapko clearly batana chahunga ki Credit card ek bahut hi achi chiz hai. Lekin lekin credit card me kuch aisa bhi terms and conditions hai jiske bare me aapko pata hona chahiye. Niche maine Credit card ke Fayde aur Nuksan ke bare me bataya hai jisse aapko pata lag jayega ki kaha kaha credit card use karna chahiye aur kaha kaha nhi.

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Credit Card Ke Faide Kya Kya Hai

1. East to Payment- Credit card ke sabse achi chiz yehi hai ki aap isko use karke bahut asani se Payment sakte ho. Offline aur Online dono jage aap Credit card ko use karke चुटकीयो me Payment kar sakte ho.

2. EMI- Credit card ko use karke aap EMI se shopping kar sakte ho. Credit card ke yehi feature muje sabse achi lagta hai. Agar aapke pas ek credit card hai toh aap usko use karke EMI par saman kharid sakte ho. Aur har mahine kuch Amount pay karke woh paisa chuka sakte ho. Agar aapko janna hai ki Amazon se emi kaise karte hai toh yeh article padho- Amazon Se EMI Par Mobile/Laptop Buy Kaise Kare

3. Cash Back Offers- Credit card se payment karne par aapko bahut sare Cashback offer milte hai. Credit card pe cash back offers 5%-10% tak ho sakta hai. Iske yelaba rewards point, free shopping vouchers yeh sab toh milte hi rehta hai.

4. 0% Interest Rate- Jada tar Credit card company aapko 0% interest pe credit card dete hai agar aap Due date se pehle Credit card ke bill bank ko Pay kar deto ho. Matlab yeh aap apni credit card se jitne paisa kharch karoge ek mahine me uska ek Bill bank aapko send karega. Us bill amount ko agar aap time period ke ander bank ko payment kar doge toh aapko kyi interest nhi dena hoga. Lekin yeh sabhi tarah ke kharch ke upar lagu nhi hota. Kuch kuch aise bhi payment hai jiske liye aapko alag se charge dena padta hai. Is liye bank ke credit card ke sabhi tarah ke charges aur interest ke bare me pata karle.

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5. Credit card cashless transaction ko badhava deti hai. Credit card hone par aapko jada Cash carry nhi karna padta. Jada tar payment aap credit card se hi kar sakte ho.

6. Credit card se aap jo bhi transaction karoge woh puri tarah surokhshit hota hai. Credit card details chori aur hack hone ka chance bahut hi kam hota hai. Agar kabhi aapke sath kyi Fraud hota bhi toh bank aapke paise ko wapis lane ki puri koushis karta hai.

7. Credit card se aap jo bhi karcha karoge woh aapke bank account nhi katega. Woh paisa bank aapko Load ke laur pe deti hai. Jo aapko bad me chukana padta hai..

8. Credit card se aap jo bhi kharcha karoge uske ek Statement aapko month ke end me mil jayega. Is se aap apni Monthly kharche ka record rakh payoge.

Credit Card Ke Nuksan

1. Jese ki aap sabko pata hai ki Credit card se kharch kiya amount aapke bank se nhi katega, is liye kuch log jaroorat se jada shopping kar lete hai aur bad me usko time par nhi chuka pate.

2. Credit Card ke bahut sare hidden charge hote hai jiske bare me jada tar logo ko nhi pata hota. Is liye kabhi kabhi credit card ke bill jada aaya jata hai.

3. Credit se kabhi bhi cash withdrawal na kare. Credit card se cash nikalne par bahut sare charges lag jate hai.

4. Kuch kuch bank Credit card se paise transfer karne ka option deti hai. Lekin uspe bahut jada Interest bhi add kar dete hai. Is liye credit card se paise transfer karne se pahle charges aur interest ke bare me pata karle. 5. Credit card ke bill late Pay karne par aapko bahut jada Interest dena padhta hai. Kuch case me late payment karne par 20%-36% tak interest dena padta hai. Is liye credit card ka bill hamesha time pe jama karde.

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Updated: May 17, 2018 — 6:01 pm

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  1. very informative article. thanks for sharing with us.

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