Credit card यूजर्स कभी न करे ये गलती हो सकता है भारी नुकसान  

बैंकों द्वारा ग्राहकों को नेट बैंकिंग के साथ क्रेडिट कार्ड और डेबिट कार्ड की भी सुविधा दी जाती है

यदि आपको कोई कहे क्रेडिट कार्ड फ्री में मिल रहा है और उस पर कोई चार्ज नहीं लगता तो इस बात पर पूरी तरह सच्चाई नहीं है

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बैंकों द्वारा ग्राहकों को क्रेडिट कार्ड दे तो दिया जाता है लेकिन उस पर लगने वाले hidden charges के बारे में नहीं बताया जाता है

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यदि आपको इन चार्जेस के बारे में पहले से ही पता नहीं है तो आप बड़ी मुश्किल में पढ़ सकते हैं

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किसी भी Credit Card को इस्केमाल करने से पहले आपको यह 8 बातें पता होनी ही चाहिए। ताकि आप अपने पैसे बचा सके

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अधिकतर क्रेडिट कार्ड पर बैंकों द्वारा सालाना चार्ज लगाया जाता है अलग-अलग बैंकों का रेट अलग-अलग होता है

[{"selector":"#anim-6b07021d-df17-4983-8418-f0cd75c66c56 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-5eb60c92-b679-4304-9f6d-aa0e07437d78","keyframes":[{"offset":0,"transform":"translate3d(0, -648.97684%, 0)","easing":"cubic-bezier(.5, 0, 1, 1)"},{"offset":0.29,"transform":"translate3d(0, 0%, 0)","easing":"cubic-bezier(0, 0, .5, 1)"},{"offset":0.45,"transform":"translate3d(0, -182.492287408%, 0)","easing":"cubic-bezier(.5, 0, 1, 1)"},{"offset":0.61,"transform":"translate3d(0, 0%, 0)","easing":"cubic-bezier(0, 0, .5, 1)"},{"offset":0.71,"transform":"translate3d(0, -62.04218590400001%, 0)","easing":"cubic-bezier(.5, 0, 1, 1)"},{"offset":0.8,"transform":"translate3d(0, 0%, 0)","easing":"cubic-bezier(0, 0, .5, 1)"},{"offset":0.85,"transform":"translate3d(0, -23.298268556000004%, 0)","easing":"cubic-bezier(.5, 0, 1, 1)"},{"offset":0.92,"transform":"translate3d(0, 0%, 0)","easing":"cubic-bezier(0, 0, .5, 1)"},{"offset":0.96,"transform":"translate3d(0, -10.124038704%, 0)","easing":"cubic-bezier(.5, 0, 1, 1)"},{"offset":1,"transform":"translate3d(0, 0%, 0)","easing":"cubic-bezier(0, 0, .5, 1)"}],"delay":0,"duration":1600,"fill":"both"}] [{"selector":"#anim-e800948e-f5aa-494f-a08c-37ddb894ffa5","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-98162c2e-bc9a-4f59-a672-d988006d58b6","keyframes":{"transform":["translate3d(0px, 130.08314%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

यदि आप क्रेडिट कार्ड का अत्यधिक इस्तेमाल कर लेते हैं और बिल का भुगतान नहीं करते हैं तो इस बकाया राशि पर भारी ब्याज देना पड़ता है

[{"selector":"#anim-8672ff04-ca1b-4c0b-a788-261926559b02 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(29.20507799881722%, 0, 0) translate(25%, 0%) scale(1.5)","translate3d(0%, 0, 0) translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.14,.34,.47,.9)","fill":"forwards"}] [{"selector":"#anim-1f2250c1-1463-4560-9656-4aa85dab4e5b","keyframes":{"transform":["translate3d(-108.74635%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a42adf1d-7cc5-46c7-b3ed-3b85f0bef610","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-dca24de6-b411-46f9-bcdb-73f2dafb35f3","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-6a33e1ac-2716-4d47-9221-e7ffab97d0d9","keyframes":{"transform":["translate3d(103.64584%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d12032ce-f811-43f0-9296-52a1d0b4cdcf","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3a4665fe-e2af-436c-bb56-8de2c33d7d2c","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}]

क्रेडिट कार्ड से निकाला गया हर रुपया लोन होता है जिसपर पहले दिन से ही ब्याज देना पड़ता है इसलिए इससे पैसा सोच समझ कर ही निकाले

[{"selector":"#anim-9c3887fa-a404-4f3b-aaf8-4c47f69b15a6 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(31.286620980197945%, 0, 0) translate(25%, 0%) scale(1.5)","translate3d(0%, 0, 0) translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.14,.34,.47,.9)","fill":"forwards"}] [{"selector":"#anim-141cd41c-02f5-455d-9e09-a339d2dc4851","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-c0d78e72-b1bc-4d0e-886c-1ec514ff63e8","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-26476d4a-6b8c-46c8-b6cc-d0d7308a227e","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7fe66715-8b66-4442-9822-ef196303fb30","keyframes":{"transform":["translate3d(0px, 117.44258%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

यदि आप क्रेडिट कार्ड का इस्तेमाल पेट्रोल बनाने के लिए करते हैं तो उस पर सरचार्ज देना पड़ता है

[{"selector":"#anim-a7daaa6d-368f-4152-b3db-1785e94da9ae [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(-28.90624987200394%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-5ac94dc9-f2b5-4183-93a4-7bcd4e9170bf","keyframes":{"opacity":[0,1]},"delay":0,"duration":1700,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-cc2c9c87-13f2-406c-98a9-4cb45b3d2b11","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f09c7b40-9e01-4721-a9eb-952fa4cc12b5","keyframes":{"transform":["translate3d(0px, 126.00149%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

यदि आप क्रेडिट कार्ड का इस्तेमाल इंटरनेशनल ट्रांजैक्शन के लिए करते हैं तो इस बात का ध्यान रखें विदेशी ट्रांजैक्शन पर भारी भरकम चार्ज भी लगते हैं

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यदि आप क्रेडिट कार्ड के लिमिट का 30 फीसदी से अधिक इस्तेमाल करते हैं तो आपके सिबिल स्कोर पर बहुत बुरा असर पढ़ता है

[{"selector":"#anim-50e43a03-aa5b-4000-92a8-777a1b7963a1 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-7.105427357601002e-15%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-a403f1c9-1026-4aa8-85a2-7ff396439f87","keyframes":{"transform":["translate3d(-109.32945%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-30d28285-a711-4498-a7c6-0d15666e36d5","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-19913e4e-ac52-416c-9afc-62c99b1b5c5a","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-9ba789eb-6b1e-4329-9356-b86074b495e6","keyframes":{"transform":["translate3d(105.06667%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-83560e9d-353b-4475-9b6d-54eb48fa6def","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e4c347dd-7b4d-46e3-93eb-f3e0b2eaaab1","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] Read more

कभी भी अपने क्रेडिट कार्ड के मिनिमम अमाउंट ड्यू को चुकाने के चक्कर में ना पड़े इससे आपका क्रेडिट कार्ड तो ब्लॉक नहीं होगा लेकिन तगड़ा ब्याज जरुर लगेगा

[{"selector":"#anim-1352cd28-1efc-4ab0-b8a0-e32fb5f5f345 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(29.631347532653805%, 0, 0) translate(25%, 0%) scale(1.5)","translate3d(0%, 0, 0) translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.14,.34,.47,.9)","fill":"forwards"}] [{"selector":"#anim-0876b2ea-b350-4096-9f39-19a93bbae202","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-dccd90a8-f6ce-48ca-9962-63eb5b050564","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-bc73af24-29a6-4d84-a4ff-519c38d21bb4","keyframes":{"transform":["translate3d(-102.85714%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-fe3d9aa9-6cba-4c9f-86a8-e51ce499328b","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] Read more

क्रेडिट कार्ड मिलने की खुशी में अक्सर लोग अपने क्रेडिट कार्ड के लिमिट को भूल जाते हैं ऐसी गलती आपके जेब के लिए हानिकारक है

[{"selector":"#anim-4a2678d7-b312-4563-a9cd-2d080b8bd80e [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(33.12499989760315%, 0, 0) translate(25%, 0%) scale(1.5)","translate3d(0%, 0, 0) translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.14,.34,.47,.9)","fill":"forwards"}] [{"selector":"#anim-26e303ab-11cf-46b5-b197-f0ac44c3f697","keyframes":{"transform":["translate3d(-106.31868%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-311e0881-e739-4d8f-af32-cb70fcbf722f","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-67cdc39c-08be-411e-b829-f75b15ea46b0","keyframes":{"transform":["translate3d(103.63637%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-b0615f3a-1636-4153-9fa7-18cfe79322cd","keyframes":{"transform":["rotateZ(180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] Read more

बैंकों द्वारा ग्राहकों को नेट बैंकिंग के साथ क्रेडिट कार्ड और डेबिट कार्ड की भी सुविधा दी जाती है

यदि आपको कोई कहे क्रेडिट कार्ड फ्री में मिल रहा है और उस पर कोई चार्ज नहीं लगता तो इस बात पर पूरी तरह सच्चाई नहीं है

यदि आपको इन चार्जेस के बारे में पहले से ही पता नहीं है तो आप बड़ी मुश्किल में पढ़ सकते हैं

किसी भी Credit Card को इस्केमाल करने से पहले आपको यह 8 बातें पता होनी ही चाहिए। ताकि आप अपने पैसे बचा सके

अधिकतर क्रेडिट कार्ड पर बैंकों द्वारा सालाना चार्ज लगाया जाता है अलग-अलग बैंकों का रेट अलग-अलग होता है

1. Credit card पर लगने वाला सालाना चार्ज

2- क्रेडिट कार्ड बकाया पर भारी ब्याज

3- ATM से कैश न निकाले

यदि आप क्रेडिट कार्ड का इस्तेमाल पेट्रोल बनाने के लिए करते हैं तो उस पर सरचार्ज देना पड़ता है

4- सरचार्ज का भी रखें ध्यान

5- इंटरनेशनल ट्रांजैक्शन भूलकर भी ना करें

यदि आप क्रेडिट कार्ड के लिमिट का 30 फीसदी से अधिक इस्तेमाल करते हैं तो आपके सिबिल स्कोर पर बहुत बुरा असर पढ़ता है

6- क्रेडिट लिमिट का 30 फीसदी से अधिक इस्तेमाल

7- मिनिमम ड्यू का भुगतान

8- लिमिट से अधिक इस्तेमाल