Credit Card Kya Hota Hai? क्रेडिट कार्ड की जानकारी हिंदी मे –

 

Maximum Bank holders ko Plastic cards ko lekar  kafi Confusion rahti hai. Basically Credit Card ko lekar Jaise – credit card kya hota hai ? Credit card kaise banwaye ? Credit Card ke fayde kya hai ? Credit Card ke nuksan kya hai ? Online credit card kaise banaye ?  etc. In this post Hum aapke sath Credit Card se related vo sabhi jankari share karenge jo aapko Esko lekar Confuse kar rhi hai. Toh guys Credit Card ki jankari hindi me pane ke liye es post ko last tak padhe . Debit Card Kya Hota hai

Credit card kya hota hai/
Credit Card kya hota hai
Credit  Card baki sabhi  Cards jaise Debit aur ATM cards ki tarah hi ek plastic money card hai aur eska use bhi debit card ki tarah hi online transaction , shopping and online payment me Kiya jata hai. Sabhi plastic cards dikhne me bhale hi ek jaise ho par enke bich kafi bada difference hai jaha ATM aur debit card bank aapko aasani se provide kar deta hai vahi Credit card Ko pana Etna aasan nhi hai . Agar aap bhi ek credit card pana chahte hai to Eske liye aapko bank ke kuch terms and conditions Ko follow karna hota hai . Credit card ki puri ABCD Ko samjhne ke liye pahle aapko Credit card kya hota hai yh samjhna hoga. To chaliye jante hai Credit card kya hota hai ?
 

Credit Card Kya Hota hai?

 
Credit card bhi debit card ki tarah hi ek plastic money card hota hai Par Credit card aapke debit card ki tarah Kisi bhi bank account se connect nahi rahta hai Balki es  card ke through bank aapko paise loan me deti hai . Jiska use aap online shopping , EMI bharne aur online payment karne me kar sakte hai  Aur kharch kiye gaye amount Ki payment  bill genrate hone ke Baad bank ko pay  kar sakte hai .  Credit card me diye gaye amount ka bill har mahine generate hota hai . Credit card me paise istemal karne ki ek limit Hoti hai jo bank aapki Profession aur income dekhne ke Baad set karta hai .
 
 
Kharch kiye gaye amount ki payment karne ke liye bank aapko maximum 50 days ka time deta hai . Agar aap 50 din ke andar bank Ko uski payment pay kar dete hai toh vh aapse amount par 0% interest leta hai . Aur agar aap kisi reason ke chalte time par payment nahi karte hai toh fir aapko almost 40 to 46% interest per year chukana pad Sakta hai. Aur yh aapke liye ek buri kharab hogi . i hope aap jaan chuke honge ki Credit card kya hota hai . to chaliye ab Credit Card Milne ki terms and conditions kya hai yh jaan lete hai
 
 
Credit Card Milne ki terms and conditions kya hai .
 
 
Koyi bhi bank apne kisi costumer Ko  credit card provide karne se pahle  uske samne kuch Conditions rakhte hai . Jaise-
 
1.  Bank apne costumer Ko credit card provide karne se pahle costumer ka profession aur uski monthly Income check karta hai . Kyuki esi base par Credit card Holder ki credit card money limit set ki jati hai .
 
2. Bank Credit Card dene se pahle Apne costomer ki purani details bhi check karte hai ki kahi Card Holder ne pahle kisi bank se koyi loan toh nhi liya hai agar Liya hai toh kya uski payment time to time ki gyi hai . Ya Payment bounce hue hai .
 
3. Agar aapne  koyi car ya koyi technical chiz jaise mobile , refrigerator , LED Tv etc.  EMI par li hai aur Abhi tak vh EMI ki puri payment complete nhi hue hai toh aise me bank aapki Income ke hisab se aapki Credit Card limit Ko bhi Kam kar Sakta hai .
 
4.  Credit card pane ke liye aapka Apne bank se relation bhi Accha hona chahiye yani agar aapka us bank me pahle se koyi Savings or current account hai toh vh account ragular run karna chahiye .
 
5.  Agar aap Income tax pay karte hai toh aapke liye Credit card pana aur bhi aasan ho jata hai .
 
Toh friends en kuch baato Ko dekhkar bank apne costumers Ko credit card provide Karti hai . Par ho Sakta hai Kay aur point bhi ho jinhe bank note Karti ho.
 
Jyada jankari ke liye aap Apne bank  se ya fir kisi agent se contact kar sakte hai . To chaliye ab credit card ke advantage Jaan lete hai .
 
 

Credit Card ke fayde in Hindi ?

 

Agar aapke paas ek Credit Card hai toh yh aapke liye ek acchi khabar hai kyuki credit card Apne kuch benefits hai jo aapko kisi dusre Plastic cards me nahi milte hai . To chaliye jante hai ki Credit Card ke fayde kya hai .

 

1. Credit Card hone ka Sabse bada fayda yh hai ki Eska istemal aap Account me  Zero balance hone ke Baad bhi kar sakte hai . Kyuki Credit Card me bank hame money Credit karta hai ya loan me deta hai jiska use hum Online payment , online shopping etc . Me kar sakte hai aur bill ka payment month ke last me bank Ko pay kar sakte hai . 

2. Credit Card ka use hum Online Shopping karne ke liye kar sakte hai . Aaj almost sabhi websites par Credit Card ke through payment karne ka options available hota hai . 

3. Credit Card Ko aap sabhi Shopping Mall’s or general stores jaha par Swipe machine available Hoti hai Vaha par Bill pay karne ke liye use kar sakte hai.
4.Credit Card ka use Aap Online buy kiye gaye product ki EMI bharne ke liye kar sakte hai . 

5.Credit Card ka use Aap kisi dusri Country me money transfer aur money receive karne ke liye bhi kar sakte hai . Paypal  Kya hai aur Paypal account kaise banaye?

 

Credit Card ke Nuksan  in Hindi.

 

Credit card hone ke kay fayde hai par agar eska istemal sahi tarah se na kiya jaye toh yh aapke liye kayi problums khadi kar sakta hai. esse bachne ke liye aap Credit card lene se pahle Credit card se hone vale nuksano  ko acchi tarah se samajh le.

 

Credit card kya hota hai-disadvantage of credit card
Credit Card kya hota hai
 

                   

 

1. Limit se jyada Shopping — Kay log Josh me Aakar apni limit se jyada ki shopping kar lete hai . Jiska nuksan unhe baad me bill generate hone par chukana padta hai . 

2. Bill time par na pay karna  — Vese toh mahine ke last me bill generate hone ke Baad aapko almost 20 days ka time milta hai apna bill pay karne ka par agar aap esko pay karne se chook jate hai toh Eska Nuksan aapko Jyada intrest dekar chukana pad sakta hai aur sath hi sath aapka civil score bhi kharab ho jata hai . 

3.  Credit Card terms and conditions — Credit Card lete time bank se uski sari terms and conditions acche se samajh le . Credit Card ke through bank jo aapko benefits de raha hai unki acchi tarah se enquiry kar le . Less introductory fee aur anual fee discount ke Trap me na fase. 

4. Ek se adhik Credit Card rakhna ― ek se adhik Credit Card ko manage karna kafi muskil bhara kaam hai aur agar Aapki monthly income jyada nahi hai toh yh aapke liye aur jyada nuksandeh ho sakta hai . Esiliye apni monthly sallery ke hisab se Credit Card rakhe jisse aap uska bill time par pay kar sake .
Paytm se money send aur receive kaise kare?Toh dosto yh the Credit Card ke kuch advantage aur disadvantage ummeed hai esse aapko Credit Card ko samjhane me help milli hogi .Aakhir mai me aapse ek hi baat kahna chahunga Credit Card ek bahut hi acchi Service hai Jiska aapko jarur fayda uthana chahiye bas Credit Card lene se pahle eske baare me apne bank se acchi tarah se samajh le .
Toh Friends ummed hai hamari yh post Credit Card kya hota hai , Credit Card ki janakari hindi me aapko pasand aayi hogi aur esse aapko Credit Card ko samjhane me help milli hogi . hamari next post Credit Card kaise banwaye par hum aapko batayenge ki Kisi bhi bank ka Credit Card kaise banate hai . Thanks.

 

NOTE – Agar aapko Credit Card se related koyi sawal puchna hai toh aap Apne Sawal niche Comment ke madhyam se puch sakte hai . 

Tag–  Credit Card Kya Hota Hai.
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