What is credit card in hindi | What is credit card? credit card information in hindi – Financial News Point

What is credit card in hindi | What is credit card? credit card information in hindi

Friends! What is credit card (in hindi)?
You must have heard many times about credit card and debit card and in your mind this question will also arise that what is Credit Card? Ya phir Debit card kya hai?
Today we will give credit card information in Hindi.

In this post we will know –

  • What is Credit Card (in Hindi)
  • Difference between Credit Card and Debit Card
  • Difference between Debit Card and ATM
  • Who gets Credit Card and how?
  • Advantages and Disadvantages of Credit Card

Friends, Credit card is plastic money from one day. Plastic Money is a type of card with which we can withdraw money from ATM, or do shopping, or deposit bills. Agar baat kare Credit card ki to Jaisa iske naam se hi pta chal raha hai ki Credit Yani ki Loan. Matlab Ek aisa card jo hume par mila mila hua hai. Par question ye banta hai ki jab debit card tha to credit card kyu laya gya. Let us first know what is the difference between Debit Card and Credit Card?

With the help of ATM Card, you can withdraw Cash (Money) from any ATM. ATM Card ke Front Par (Samne) koi bhi logo (Ex: Master Card, Visha, Rupay) nahi laga hota hai. Atm cards are used only and only used to withdraw money from ATM. Aur kisi kaam me nhi (Ex : Shopping, Bill Payment etc..)

Debit card, hamare kisi bank account se link hota hai. Debit card aur kuch nhi ATM hi hota hai. Jis par Visa, Rupay, Master Card Likha hota hai. Whenever we get the job, we open our account in the bank. When you use your Debit Card for Shopping, Bill Payment etc.. for any purpose, you can spend maximum amount of money as per your bank account. Jaise hi aap bill payment, shopping ya ATM se paise nikalte ho thik usi samay aap ke bank account se utne hi paise kat jate hai.

Par Credit Card me aisa kuch nhi hota hai. Because Credit card Loan (Udhar) ki money hai, isliye iska payment hame usi time nahi karna hota hai, iska Payment Month ke me last me total bill generated hone ke baad dena hota hai. Aap ko ye paisa bill generate hone ke karib 20 dinke andar pay karna hota hai.
Yani ki agar month ke me aap ne shopping kar li, aur aapko iska payment karib 50 din baad karna hota hai.

 Who got the credit card ?

You can go to your bank’s branch to get a credit card, or you can also apply from the bank’s online website. Par friends sab ko nihi milta hai Credit Card. Agar aap govt job karte hai, ya phir kahi par kaam par salary karte hai, ya phir koi aisa kaam karte hai jise aap document ke sakte se sakta hai. That is, whatever money you earn. That’s why you should have proof. Tab hi aap ko credit card milega. Jo log job karte hai vo apna income proof kar le skte hai Credit Card.

Par agar aap ek student ho, to phir aapke paas income ka koi proof nahi hota hai. To students ko Credit Card kaise milega  ?
Friends Agar aap ek student hai aur apko Credit Card chaiye to aap ko apne Bank me FD(Fix Deposit)Will do. You will also get your Credit Card on our basis.
Maximum Banks make 80% – 85% Money’s Credit Card from their Fixed Deposit. Minimum Fixed Deposit should be ₹ 20,000 .
Understand by example. Maan made his FD (Fix Deposit) of Rs.1,00,000 (1 Lakh) . To Apko 80,000 ₹ – 85,000 ₹ Tak ka Credit Card mil jayega.
That is, you can spend a maximum of 80,000 ₹ – 85,000 ₹ in a month.

Benefits of Credit Card
  • We have got a lot of discount by paying with Credit Card. Example se samjhte hai: Maan lo aap kisi shop par SoundLogic ka Bluetooth Headset with Mic Headphone kharidne gye. If you buy online from any shopping website, you will get Extra Discount if you have a Credit Card.
As you can see in the image, you are getting an extra discount of 10% for paying with a credit card.

  • And then the biggest benefit is that you don’t have to go to any cash doctor. Whether there is money in your bank account or not. You can do shopping, bill payment etc.. with ease.
  • In emergency, you can also withdraw cash from any ATM using your Credit Card. 
Disadvantages of Credit Card
 
  • Agar aap kabhi kabhi Emergency me kabhi ATM se aapne Credit Card ka karke karke cash Nikal lete ho to bank aapke upar Penalty (penalty) kar lagaan kar deta hai.
  • If ever the bill is generated but you do not pay the bill for the time being, then also the bank will impose penalty on you. 
  • Credit Card ka sabse bada nuksan tab hota hai jab aapka credit card gum ho jata hai (gets lost) or Chori ho jata hai. Aur jisne Card churaya, usne International Payment kar diya to aapke mobile par OTP bhi nhi ayega. Agar usne National Payment kiya tab to OTP ayega. Par Credit Card se International Payment ka OTP nhi ata. That’s why a lot has to be taken care of 

 Note : 

  1. Before taking a credit card from any bank, you must read the policies of that bank. 
  2. If you lose your credit card or if it is stolen, you can go to the branch of the bank, or call the customer care call center of the bank, then give such information that if your credit card is stolen. Aur apna Card block karwaye.
Final Words : 
 
Friends! What is credit card in hindi  >>. Apne is Post me Hamne Credit card ki jankari hindi me acchi tarah explain kiya hai. Asha karte hai aap ko acche se samjh aa gya hoga. If you still want information, you can put your question by commenting on this post. Hum replay jarur karenge.

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