credit card kya hota hai, Credit card ek electronic payment card hota hai jo aapko paise ke len-den mein madad karta hai. Iska upyog aap online shopping, bill payments, hotel reservations, air travel, restaurant bills, petrol pumps, etc. jaise transactions ke liye kar sakte hai.
Credit card ka upyog karne ke liye aapko ek credit limit diya jata hai jo aapki income aur credit history ke adhar par tay kiya jata hai. Is credit limit ke andar aap credit card se shopping kar sakte hai aur baad mein apne bank account mein paise jama kar denge. Aapke bank account se paisa debit nahi hoga jab tak aap apne card ke balance ke aapke credit limit se jyada kharch nahi karte hai.
Credit card ka upyog karne ke liye aapko har mahine ki ek minimum payment deni hoti hai. Agar aap minimum payment ki amount nahi jama karte hai to aapko penalty charges dena pad sakta hai. Isliye aapko credit card ka upyog karne se pahle apni financial capacity aur spending habits ko acchi tarah se samajh lena chahiye.
Credit Card Kya Hota Hai?
Credit Card Kya Hai
Credit card ek tarah ka plastic card hota hai jo financial transactions ke liye upyog kiya jata hai. Credit card aam taur par banks ya financial institutions dwara pradan kiya jata hai. Aap credit card ka upyog karke online shopping, bill payments, hotel reservations, air travel, restaurant bills, petrol pumps, etc. jaise transactions kar sakte hai. Credit card ka upyog karne ke liye aapko ek credit limit diya jata hai jo aapki income aur credit history ke adhar par tay kiya jata hai.
Credit card ek aise electronic payment card hai jo aapko cash ke badle ek line of credit provide karta hai. Iska matlab hai ki jab aap credit card ka upyog karte hai to us transaction ki amount aapke bank account se nahi debit hoti, balki wo ek loan ke roop mein consider kiya jata hai. Aapko baad mein us amount ko pay karna hota hai, sath hi sath us amount ke upar interest bhi lagta hai. Credit card ka upyog karne se pahle aapko apni financial capacity aur spending habits ko acchi tarah se samajhna chahiye.
Credit card ka avishkar 1950 ke dashak mein hua tha. Credit card ka shuruat Amerika mein hui thi. Iska upyog asal mein customers ke liye convenient aur secure payments karne ke liye kiya jata hai. Credit card ki popularity ke sath-sath, companies ne reward programs aur cash back offers bhi shuru kiye jise aaj kal har ek bank provide karta hai.
Credit Card Se Kya Hota Hai
Credit Card Working Process
Credit card ka working process bahut hi simple hai. Aap ek credit card ke jariye ek financial institution se ek credit limit prapt karte hai. Iske baad, aap credit card ka upyog karte hai jaise ki online shopping, bill payments, hotel reservations, air travel, restaurant bills, petrol pumps, etc. Jaise transactions karne ke liye.
Jab aap transaction karte hai, tab aapko ek slip provide kiya jata hai jo aapko sign karna hota hai. Aapka bank ya financial institution us transaction ki amount ko consider karta hai aur aapke credit limit se deduct kar deta hai.
Credit card ka upyog karne ke baad, aapko monthly billing statement provide kiya jata hai. Is statement mein aapke credit card ke transactions, interest rate aur anya charges ki jankari hoti hai. Aapko monthly billing statement ko check karna chahiye aur dekhe ki aapne kitna credit limit ka upyog kiya hai aur kitna baaki hai. Agar aap minimum payment nahi kar pate hai to aapko penalty charges bhi dena pad sakta hai.
Credit Card Kitne Prakar Ke Hote Hain – Types of Credit Card
Credit card ka upyog karne ke liye aapko kai tarah ke credit cards milte hai. Yeh cards aapki requirement aur financial capacity ke adhar par alag-alag features ke sath pradan kiye jate hai. Kuch popular credit card types niche diye gaye hai:
Reward Credit Cards:
Reward credit cards aapko shopping karne ke badle reward points pradan karte hai. Har ek transaction ke liye, aapko reward points prapt hote hai. Aap in reward points ko baad mein cashback, gift vouchers, ya phir discount coupons mein convert kar sakte hai. Reward credit card ka upyog karke aap apne regular expenses se savings bhi kar sakte hai.
Cashback Credit Cards:
Cashback credit cards aapko har ek transaction par cashback pradan karte hai. Cashback credit card ka upyog karke aap apne daily expenses par savings kar sakte hai. Is tarah ke credit cards aapko percentage ke hisaab se cashback offer karte hai. Cashback credit cards aapke spending habits aur requirement ke hisaab se available hote hai.
Travel Credit Cards:
Travel credit cards aapko travel expenses par discount, reward points aur other benefits pradan karte hai. Aap travel credit cards ka upyog karke air travel, hotel bookings, rental cars, etc. jaise expenses par savings kar sakte hai. Travel credit cards mein aapko travel insurance aur emergency assistance jaise benefits bhi pradan kiye jaate hai.
Business Credit Cards:
Business credit cards ke through aap apne business expenses ko manage kar sakte hai. Is tarah ke credit cards aapko cashback, reward points aur anya benefits pradan karte hai. Business credit cards ke through aap apne business ka cash flow bhi manage kar sakte hai. Business credit cards aapko employees ke liye bhi provide kiye ja sakte hai jiske dwara aap unke expenses ko track kar sakte hai.
Secured Credit Cards:
Secured credit cards un logo ke liye hote hai jo apne credit score ko improve karna chahte hai. In cards mein aapko credit limit ke hisaab se ek security deposit dena hota hai. Jab tak aap apne credit limit ke under hi kharch karte hai tab tak aapke bank account se paisa nahi kat-ta hai. Secured credit cards ke through aap apne credit score ko improve kar sakte hai.
Balance Transfer Credit Cards: Balance transfer credit cards aapko ek high-interest rate wale credit card ke balance ko transfer karne ke liye provide kiye jaate hai. Is tarah ke credit cards ka upyog karke aap apne credit card debt ko kam kar sakte hai. Balance transfer credit cards aapko low-interest rate aur kuch time ke liye interest-free period pradan karte hai.
Low-Interest Credit Cards:
Low-interest credit cards aapko low-interest rate par loan pradan karte hai. Is tarah ke credit cards ka upyog karke aap apne big-ticket purchases ke liye loan le sakte hai. Low-interest credit cards aapko interest rate ke hisaab se savings karna bhi allow karte hai.
Instant Approval Credit Cards:
Instant approval credit cards aapko turant credit card provide karte hai. Is tarah ke credit cards ka upyog karke aap apne urgent financial needs ko fulfill kar sakte hai. Instant approval credit cards mein aapko low credit limit aur high-interest rate
Credit Card Ka Matlab Kya Hota Hai
Credit card ka matlab hota hai ek electronic payment card jo financial transactions ke liye upyog kiya jata hai. Iska upyog aap online shopping, bill payments, hotel reservations, air travel, restaurant bills, petrol pumps, etc. jaise transactions ke liye kar sakte hai. Credit card ka upyog karne ke liye aapko ek credit limit diya jata hai jo aapki income aur credit history ke adhar par tay kiya jata hai.
Credit card ka upyog karne ke baad, aapko monthly billing statement provide kiya jata hai. Is statement mein aapke credit card ke transactions, interest rate aur anya charges ki jankari hoti hai. Aapko monthly billing statement ko check karna chahiye aur dekhe ki aapne kitna credit limit ka upyog kiya hai aur kitna baaki hai. Agar aap minimum payment nahi kar pate hai to aapko penalty charges bhi dena pad sakta hai.
Credit card ke liye aapko har mahine ki ek minimum payment deni hoti hai. Agar aap minimum payment ki amount nahi jama karte hai to aapko penalty charges dena pad sakta hai. Isliye aapko credit card ka upyog karne se pahle apni financial capacity aur spending habits ko acchi tarah se samajh lena chahiye.
Credit Card Advantages and Disadvantages
Credit card ka upyog karne ke kai advantages aur disadvantages hote hai. Aaiye hum in advantages aur disadvantages ko ek-ek karke samjhte hai.
Advantages of Credit Card:
Convenience: Credit card ka upyog karke aap apne daily expenses ko aasani se manage kar sakte hai. Iska upyog karke aap apne bills ko online pay kar sakte hai aur apne kharche ko control kar sakte hai.
Build Credit Score:
Credit card ka upyog karke aap apne credit score ko improve kar sakte hai. Jab aap credit card ka upyog karte hai aur timely payment karte hai, tab aapka credit score improve hota hai.
Rewards and Cashback:
Credit card ka upyog karke aap rewards aur cashback prapt kar sakte hai. Aapka bank aapko reward points aur cashback pradan karta hai jo aap baad mein apne future transactions mein use kar sakte hai.
Emergency Cash:
Credit card ka upyog karke aap emergency cash prapt kar sakte hai. Aap cash advance ke jariye apne credit card se cash withdraw kar sakte hai.
Purchase Protection:
Credit card ka upyog karke aap apne purchase par additional protection prapt kar sakte hai. Agar aapka product damage ho jata hai ya phir aapko faulty product milta hai, tab aap apne credit card company se compensation prapt kar sakte hai.
Disadvantages of Credit Card:
High-Interest Rate:
Credit card ke interest rate bahut hi high hota hai. Jab aap apne credit card ke balance ko carry forward karte hai, tab aapko bahut jyada interest rate dena padta hai.
Debt Trap:
Credit card ke jariye aap easily debt trap mein fas sakte hai. Jab tak aap apne credit card ke balance ko timely pay nahi karte hai, tab tak aap debt trap mein fas sakte hai.
Overspending:
Credit card ka upyog karke aap easily overspending kar sakte hai. Agar aap apne credit limit se jyada kharch karte hai, tab aapko penalty charges dena pad sakta hai.
Hidden Charges:
Credit card ke kuch charges aapko pata nahi chalte hai. Isliye aapko credit card ka upyog karne se pahle sabhi charges ko acchi tarah se samajhna chahiye.
Security Risks:
Credit card ka upyog karne se aapka personal aur financial information ko risk ho sakta hai. Isliye aapko apne credit card ki security aur safety ke liye acchi tarah se dhyan rakhna chahiye.
Conclusion:
Credit card ka upyog karne se pahle aapko in advantages aur disadvantages ko acchi tarah se samajhna chahiye. Aapko apne spending habits aur financial capacity ko bhi acchi tarah se evaluate karna chahiye. Jab tak aap credit card ka upyog acchi tarah se kar sakte hai aur timely payment kar sakte hai, tab tak credit card aapke liye ek useful financial tool ho sakta hai.