Credit card kam kaise karta hai? ye saval ham sabhi ke man me aksar ata hai. Bank apne customers end account holders ko kai tarah ki facility deta hai, jese mobile banking, Internet banking, ATM card, checkbook etc. Taki account holders ko money Withdraw karne me ya fir kisi dusre vykti ko paise Transfer karne jese kai kam easily ho jaye.
In facilities ka use kar hame paise Withdraw karne ke liye bank ki lambi Line me lagne ki jarurat nahi hoti hai. Bank apne sabhi customers end account holders ko diye jane vali facility me ek facility Credit Card ki bhi hoti hai. aaj ham apko batayenge Credit Card kya hota hai? (what is credit card), Credit Card Kaise Kam karta hai ? Credit Card ke Fayde or Nuksan kya hai? Credit Card ke liye kaise Apply kare?
Credit card kya hota hai? (what is credit card)
Credit card dekhne me bilkul Debit Card (ATM Card) ki tarah hi hota hai. Credit card bank dvara di gai ek Special facility hoti hai. agar ap Credit card holder hai, our apke Bank account me paise nahi hai, to, bhi ap Credit card ka use kar Shopping kar sakte hai. Credit card ki ek limit Fixed amount hoti hai. ham kisi bhi tarah ki Shopping ek Fixed limit amount tak kar sakte hai.
Ham Visa Card, RuPay Card, MasterCard kisi se bhi ye kar sakte hai. Easy language me kahe to Credit card bank dvara diye jane vala udhar hai. jisme ham kisi bhi tarah ki Shopping kar uska Payment bank ko Every month dena hota hai.
Credit card kam kaise karta hai? (credit cards work in hindi)
Jab ham Credit card se kisi dealer (seller) ko payment karte hai, to bank dvara merchant ko payment kar diya jata hai, our bank ka Credit card Holder par udhar ho jata hai. jiska payment hame bank ko bad me karna hota hai. agar ham un paiso ka sahi samay par bank ko nahi dete hai, to bank hamse kuchh Interest bhi leta hai. bank Credit card par ek Limit fix karta hai, jiske according ham us Limit tak Credit card se Shopping kar sakte hai. Credit card ki Limit Monthly ya yearly ho sakti hai. apke . Credit card ki Limit apke bank Account statement ke according hoti hai. bank me jitna achcha apka transactions hoga apke Credit card ki Limit utni jyada hogi.
Credit card ke fayde kya hai? (benefits of Credit card)
Credit card ka sabse bada fayde ye hota hai, ki apke pas paisa nahi bhi hai, to bhi ap kisi bhi tarah ki Shopping easily kar sakte hai. yadi apke bank Account me paise nahi hai, to bhi ap kisi ko bhi Payment kar sakte hai. agar ap chahe to, Credit card se kisi ko bhi Cash payment bhi kar sakte hai. Credit card se Shopping karne ka ak good option hota hai. esi kai company hai, jo Credit card se Shopping karne par apko Best Discount Offer karti hai.
Credit card Holder ko jyada Interest nahi dena hota hai. agar apke pas Credit card hai, to ap mahngi chij bhi kharid sakte hai, jese ap Iphone bhi Credit card se easily Installments me kharid sakte hai. yadi apko Emergency me Loan ki requirement hai, to ap Credit card se Loan bhi le sakte hai. jab bhi ham Credit card se Shopping karte hai, to hame Reward points milte hai. jinka use kar ham kisi bhi tarah ki Shopping free me kar sakte hai.
Credit Card se hone wale nuksan? (loss of Credit card)
Credit Card ke fayde hai, to uske nuksan bhi hai, jinke bare me han sabhi ko pata hona jaruri hai.
– Adhiktar Credit Card par Annual charge hota hai, jise credit card holder ko pay karna hota hai.
– Agar koi credit card holder sahi samay par Credit Card ka payment nahi karta hai, to bank unse bahut jyada interest leti hai.
– Credit Card ka use karne par bank hamse Credit Card ka Extra Charge leti hai.
– Emergency me yadi ham Credit Card se cash Cash withdrawal karte hai, to hame uska Heavy fine dena hota hai.
– Internet connectivity ki vajah se kai bar Credit Card sahi se kam nahi karta hai. jis vajah se ham badi problem me fas sakte hai.
– Jab ham Credit Card ka jyada bar use kar lete hai, to hamare upar bank ka loan jyada ho jata hai, jiski hame bhari kimat chukani pad jati hai, jis vaja se hamari Savings par bhi asar padta hai.
– Jab hamare Account me balance minimum se kam ho jata hai, to Mobile me message ki line lag jati hai, lekin Credit Card ke Bill deposit karne ke liye hamare pas kisi tarah ka koi message nahi ata hai, kyo ki company nahi chahti hai, ki ap pahle hi month me All payment kar de. company ka Motive hota hai ki ap jitna let payment kare unke liye utna achcha hai, kyo ki vah chahti hai ki ap bad me late fees bhi company ko de.
– Customers se Free EMI Credit Card ke liye zero percent EMI ka promise kiya jata hai, lekin Zero percent interest par EMI Terms and Conditions apply hoti hai. yadi ap ek bhi Conditions ka Violation karte hai, to apse 20 percent se bhi jyada Interest dena hota hai.
– Bank kabhi bhi apko ye nahi batata ki ap apne Points ko kaise Redeem kar sakte hai, jankari na hone ke karan apke Millions points ese hi pade rahte hai, our apka Credit card expire ho jata hai.
– Jab apke points 1000 se10,000 landmark Cross karte hai, to bank apko nahi batata hai, ki apke itne points ho gaye hai. yadi apko unki jankari hoti hai, to ap un points ko Redeem kar Cashback le sakte hai.
– Credit card user ko bank Offer dete hai, ki ap Free of cost me apne Silver Card ko Gold me our Gold Card ko Platinum me upgrade karva sakte hai, lekin bank apko nahi batati hai, ki New credit card ke liye apko 500 rupye se 700 rupye Fees bhi deni hoti hai.
– Credit card holders ko Ak call ati hai, jisme bataya jata hai, ki apke Credit card ki limit free me badhai ja rahi hai, lekin bank apko kabhi nahi batata hai, ki iske bad apke Credit card ki Annual fee bhi bad jati hai.
Credit card ke liye apply kaise kare? (How to apply for credit card in hindi)
Credit card kaise banta hai? ye saval ham sabhi ke important hai. yadi ap bhi Credit card banvanma chahte hai, to uske liye apker pas 2 options hai.
– Offline Credit card kaise banwaye? / Offline Credit card ke liye apply kaise kare?
– Online Credit card kaise banwaye? / Online Credit card ke liye apply kaise kare?
Yadi ap Offline Credit card banvana chahte hai, to apko Bank branch me jakar apply karna hoga. agar ap bank nahi jana chahte hai, to ap ghar bethe bhi Online Credit card ke liye apply kar sakte hai.
Credit card ke liye kya kya document chahiye? (Credit card required documents)
– Pan card
– Identity proof (Aadhar Card, Voter id etc.)
– Photographs
– Income tax return receipt or fix deposit in your account.
– Address Proof (Electricity Bill and Telephone)
– Age Certificate (Voter Id Card and Birth Certificate)
Yadi apke pas ye sabhi Documents Available hai, to ap Credit card ke liye easily apply kar sakte hai.
Offline Credit card ke liye apply kaise kare? (How to apply for offline credit card)
Offline Credit card ke liye apply karne ke liye apko apni bank ki Branch me jakar agent ya Credit card seller se milna hoga. apko Credit card seller sabhi plan batayega.ap apne anusar sahi plan ka Selection kare. Ap bank se Credit Card form le kar Required document ko Attached karte huye vaha jama kar de. Yadi ap bank ki sabhi Terms and conditions ko clear kar dete hai, to kuchh hi samay me apke pas apka Credit Card aa jayega.
– Sabse pahle Credit Card ke liye bank se liye form par hame apni Full detail Fill karna hoga. jese Name, address, email id, phone number etc.
– credit card Apply karte samay bank hamse Id proof ke liye Voter ID card, Aadhaar card, PAN card, driving license ya passportme se kisi ek ki demand jarur karega.
– credit card Apply karne ke liye hame apni Ak Photo bhi bank me jama karni hoti hai.
– bank ko apko apni sabhi Personal information ko batana hoga. apse Full name, address and bank full details ko bhi manga jayega.
– Apko bank me Income proof and income tax return ke bare me bhi information bank ko deni hogi.
Is Process ko karne ke bad ap easily Offline Credit card ke liye apply kar sakenge, our kuchh samay ke bad apke pas apka Credit card bhi aa jayega.
Online Credit card ke liye apply kaise kare? (How to apply for online credit card)
Online Credit card ke liye apply karne ke kai tarike hai. aaj ham janenge
BankBazar se Credit card ke liye applykaise kare?
– Sabse pahle BankBazar Website login kare.
– BankBazar Website home page par kai Option show honge.jese Cards, Loans, Investment, Insurance, Credit Card score, Check free, etc apko Credit card ke liye apply karne ke liye Cards par Click karna hai.
– Ab Get a card par Click kare.
– Eligibility Check karne ke liye City Select kare, our Search for Credit Cards par Click kare.
– Agar ap Salaried hai, to apni Company name bataye, jaha par ap job karte hai. Self Employed hai, to apni Firm name likh kar Continue kar de.
– Ab apko apni Net Monthly income Select kar Press to Continue par Click karna hoga.
– Apki Salary jis bank me deposit hoti hai, us bank ko select kar Continue kar de.
– Agar apke pas pahle se kisi bank ka Credit Card available hai, to us bank ko Select kare. Yadi apke pas Credit Card nahi hai, to None select kar Continue par Click kare.
– Ab Age Select kar Continue kare.
– Next step me Name, Email, Mobile Number Inter karne ke bad View Free Offers par Click kar de.
– Apne jo information fill ki hai, uske According jo credit card apke liye best hoga, usli list apke samne filter ho kar show hone lag jayegi. Apko job hi credit card pasnd aye uske samne instant apply par Click kar de.
Banbazaar ki taraf se apke mail id ya fir phone number par massage ayega. Jisme apko bataya jayega ki apki Credit Card request approve ho gai hai. ab apko apne sabhi Document Scan kar Banbazaar ki website par Upload karna hoga. ya fir apko unke address par bhi Document send karne honge. Sabhi process ko Complete karne ke bad apke pas kuchh samay bad apka Credit Card pahuch jayega.
SBI Credit Card ke liye kaise apply kare? (How to apply for SBI credit card)
Ap SBI Credit Card ke liye apply karna chahte hai, to sabse pahle apko SBI bank me apna account Open karvana hoga. sath hi apke bank account Transaction details achhi honi chahiye. Agar apke pas Income proof certificate hai, to ap SBI Credit Card ke liye apply kar sakte hai. ap SBI Credit Card ke liye Online ya offline dono tariko se apply kar sakte hai.
Agar ap SBI Credit Card ke liye offline apply karna chahte hai, to apko bank me form Fill karke jama karna hoga. form me apko apna name, address Fill karne ke sath ID proof me Aadhar card, PAN card, Voter ID card, driving license, passport me se koi ek Document bank ko dena hoga.
Apki monthly income 18,000 se 20,000 rupees hona Compulsory hai.agar apki monthly income isase kam hai, to ap Credit Card ke liye apply nahi kar sakte hai. apki monthly income ke according hi apke Credit Card ki Limit Fix ki jati hai.
Credit Card ke niyam kya hai ? (credit card terms and conditions in hindi)
Samay par kare Credit Card ka payment :-
Apko apne Credit Card ka payment sahi samay par karna hoga. Credit Card Bill (Statement) date se 21 days ke andar karna hota hai.
Interest and penalty :-
Yadi ap samay par Credit Card ka payment karte hai, to apko kisi bhi tarah ka koi Interest nahi dena hota hai, lekin time nikal jane ke bad yadi ap Credit Card ka payment karte hai, to apko Interest ke sath penalty bhi dena hoti hai.
Credit card interest rate :-
Credit card ka interest rate bahut jyada hota hai. Penalty milakar interest rate40 se 45% tak pahuch jata hai.
Credit card limit :-
Ap apne Credit card par kisi bhi tarah ka expenses sirf ek limit tak hi kar sakte hai. apke Credit card limit se ap jyada expenses nahi kar sakte hai.
Salary par Dependent :-
Apke Credit card ki limit apki Salary par Dependent hoti hai. jise bank pahle hi Fix kar deti hai.
Credit Card Bill :-
Bank apko Option deti hai, ki ap apne pure Credit Card Bill ka payment karne ki bajay Minimum Amount Due ka bhi payment kar sakte hai.esa karne par bank ap par Penalty bahi lagate hai, lekin esa karne ke bad apko interest free credit period (interest free loan) nahi milta hai.
Credit Card ke kya Nuksan hai? (Disadvantages of Credit Card)
Credit Card ke Bill ka sahi samay par payment nahi karne par High interest ke sath Penalty bhi deni hoti hai. yadi ap apne Credit Card Bill ka payment nahi karte hai, to apko kafi Problem ka samna karna hota hai. Credit Card par kisi bhi tarah ka expenses karne par paisa apke Bank accounts se nahi kata jata hai. iske liye kai log apni paise chukane ki Limit se jyada expenses karne lag jate hai.
Credit Card kitne tarah ke hote hai? (types of credit card)
Credit Card kai tarh ke hote hai, sabhi Credit Card ka apna alag hi Importance hota hai.
– Kuchh Credit Card se apko Petrol pump par payment karne par Cashback / Reward Point milte hai.
– Online shopping karne par kai Credit Card par apko best discount diya jata hai.
– Airline ya store se Credit Card ke liye ek tarah ka agreement hota hai, yadi ap agar ap kisi badi jagah se jese BigBazaar, LifeStyle se shopping karte hai, to apko discount offer diya jata hai.
– Kai bank apko student credit card bhi dete hai.
– Offer Difference cashback, discount, reward point annual fee par ata hai.
Best credit card kon sa hota hai? (best credit card)
Best credit card ki bat ki jaye to iska to koi javab nahi hota hai. apki sirf dekhna hoga ki apke Expenses ka pattern kya hai.ap apne Expenses pattern ke anusar hi Best credit card ka Selection kar sakte hai.
Best Credit Card List in hindi
– SBI Credit Card
– HDFC Bank Credit Card
– ICICI Credit Card
– Citibank Credit Card
– Bank of Baroda Credit Card
– Standard Chartered Bank Credit Card
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