Credit Card Kya Hota Hai ? Iske Fayde Aur Nuksaan


Kya Aap Jante Hain ki Credit Card Kya hota hai?Debit card aur Credit card Me Kya Difference Hai , InKe Fayde Aur Nuksaan? Aur agar aap koi Financial Decision lene vale hain to apko inke baare Me jaroor janna chahiye aur Inke kya use hain.

Agar baat kare Debit card  ki to isme vo sabhi Features hote hain joki ek Credit card me hote hain ,And Debit card ka use aap un sabhi jagah par kar sakte hain Jaha par Credit Cards Accepted hote hain.eg(Shopping, online transiction, Payment).
In dono cards ke Functions differents hote hain jinhe hame jaroor janna chahiye.

credit card kya hai

#.Debit Card aur Credit Card Kya Hota Hai?

#1. Credit Card Kya Hota Hai?

Maine abhi bataya ki sabhi Debit cards Bank Account se jude rehte hain But baat kare Credit card ki to koi bhi Credit Card Bank Account Se Connect nahi rehte hain.Credit card ka use aap ATM's par Transaction ke liye nahi kar sakte hain.

Credit Card ek esa card hota hai jo hame Bank ya kisi ese Credit Card Company se Milta hai jo logo ko basic Transactions(Shopping, Online payment, other payment) ke liye Loan Provide karte hain.

Basically Is Card ka matlab hai ki hamne Kisi  Bank , Credit card company se Apne Personal Transactions ke liye  Paise Udhar(Loan) liye hain , Aur ek Time Period ke baad hame vo Paise vapas Karne hote hai .Aur agar ham Time Period ke baad Paise chukate hain to hame Sath me Fine(Interest) bhi bharna padta hai.Basically Time Period 30 din(1 Month) ka hota hai.

Sabhi Credit Cards ki Alag Alag Limits Hoti hain Minimum 15k-20k Se Start hoti hain.


#2. Debit Card Kya Hai?

Debit card ko bhi ham Credit card ki hi tarah Different ways me Use kar skate hain.Debit card me Utna hi amount hota hai jitna aapke Bank Account me hota hai It means Debit card hamare bank account se Connect rehta hai.Ek Bank Account ke liye only ek hi Debit card provide kiya jata hai agar aapka Debit card kho jaye to aap apne Bank se New Debit card ki Request kar sakte hain.

Jab bhi aap Apne Debit card se Koi purchase (खरीददारी) karte hain to,Paise sedhe aapke Bank Account se Debited(कट) ho jate hain and aapko apne Registered no. par Message Recieve ho jata hai ki aapke Account se Kitne Paise Less hue hain and Kitna balance hai.

Jab bhi aap apne Debit card se Koi purchase karte hain to jitna amount ka Transaction hota hai utna hi amount ki transiction Merchant((सौदागर) apne Bank me Transfer kar deta hai jiske Utna hi Amount merchant ke bank account ne Transfer ho jata hai.

Is card ka use ham ATM par bhi kar sakte hain.
Debit card use karne ke liye apke Bank Account me balance hona jaroori hai, Sabhi  cards ka ek Unique Pin No. hota hai, jab bhi ham apne Debit card se Koi shopping karte hain to Transaction complete karne ke liye Pin ko use karna hota hai, Ab chahe aap ATM me ho ya kisi Shopping store me Bina Pin No. ke aap Transaction nahi kar sakte , But bahut se Shopping Soters me Pin No. ki jaroorat nahi padti hai.
  • Debit Card Sedhe Aapke Bank Account Se Connect Hota Hai.
  • Aap Is card ka use un sabhi Places par kar sakte hain jaha par Credit Card ka use hota hai.
  • Sabhi Transactions ko Complete karne ke liye Pin ki jaroorat hoti hai.


#3. Debit Cards Vs Credit Cards Me Difference (दोनों में क्या अंतर है )

  • Credit Card ka aapke Bank account se koi lena dena nahi hota jabki Debit card aapke bank Account se Connected hota hai.
  • Bahut Se Online Transactions ( Jaise Ki Koi Product EMI par buy karna, Car Rent par lena, etc.)me Only Credit Cards Se hi Payment kar sakte hain.
  • Dono Cards ki help se aap Bina Paise(नकद) ke Shopping or koi bhi Transaction kar sakte hain.
  • Credit Card me paise Kharch karne ki Limit hoti hai jabki Debit Card aapke Bank account se Connect hota hai.
  • Agar hame Urgent cash chahiye to Debit card hi help se kisi bhi ATM Machine par nikal sakte hain but Credit Card ka use ATM par nahi ho sakta.
  • Jab bhi aap kisi Bank me New Account kholte hain to bank aapko khud hi Debit Card Provide karta hai jabki Credit Card ke liye aapko Khud hi Bank me Apply karna hota hai.
  • Credit Ka Bill Time par na Chukane par aapko Extra Interest Pay karna hota hai jabki Debit card me esa kuch nahi hai.

#.4 Credit Card Ke Fayde Aur Nuksaan(Advantages and Disadvantages)

Fayde-
  • Bina cash ke aap Travel, Shopping kar sakte hain.
  • Time Period Me Bill Pay Karne par koi Bhi Interest nahi dena padta.
  • Financial Emergency ke Time par aap Cash Loan le Sakte hain.
  • Bahut se Credit Cards aapko har ek Purchase par Reward points Offer karte hain .Jinhe aap Gifts and Discounts ke liye Redeem kar sakte hain.
  • Credit Card ki help aap Kisi bhi Currency and Place(Foriegn) par Transaction kar sakte hain.
Nuksaan-
  • Agar aap Time part apne Bills Pay nahi kar paate to aapko ek High Interest(ब्याज ) Chukana padta hai.
  • Credit Card aur Card ki Detail Chori or Fraud hone ke Chances bahut jyada hota hai.
  • Aapke Paise Kharch(खर्च )karne ki limt automatically badh jati hai aur Normal Life me aap jin Cheezo ko Affort nahi kar sakte ya jin cheezo ki aapko jaroorat bhi nahi hoti hai aap Unhe Bhi purchase kar lete hai jiska Effect aapke Budget(बजट ) par padta hai.

#5. Apne Cards Ko Protect Kaise Kare(कार्ड्स को सुरक्षित कैसे रखे )

Dono hi Cards ko rakhne ka Diff. Risk hai Agar kabhi Aapka Credit or Debit Card chori ho jaye  ya Inki Information Leak ho jaye to aapko Turant apne Bank ko Contact kar dena chahiye taaki bank aapke Card ko Block kar sake aur aapke Card se koi bhi Transaction na ho paye.

Iske alawa apne cards ki status ko Har month Check karte rehna chahiye.

Conclusion-: 

Agar aap bhi Credit Card kharidne ki Soch rahe hain to sabse pehle aapko kisi Bdiya/Trustable Credit Card Company ko Search karna chahiye aur Buy karne se pehle unki sabhi Terms aur Conditions ko carefully jaan lena chahiye taaki baad me aapko koi problem na aaye.

Agar aapko post pasand aayi ho to is Post ko apne Social Networks par jaroor share kijiye taaki aapke Friends aur Dusre logo ko bhi kuch Useful Information mile.

To ye thi "Credit Card Kya Hota Hai " ke Baare Me kuch Jaroori Jankari.I Hope ki is Post "Credit Kya Hai?Credit card aur Debit card ke fayde?"ki help Aapko samajh aa gya hoga ki Debit and Credit card aur Inke Fayde in hindi?  In Dono Me Difference kya hai.

Aur agar aapka Is post se Related koi bhi sawal hai to aap Feel free hokar comment me puch sakte hain.


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