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Credit Card Aur Debit Card Me Kya Antar Hota Hai

Namaskar Dosto aaj ke iss post ham credit card aur debit card kya hota hai isake bare me janenge.Sath he sath isase hone wale fayade ki bhi bat karenge.

Maine logon ko credit card aur debit card ko lekar hone wale confusion ko dekha hai.Unhe samajh nahi aata hai ki aakhir inn dono card me antar kya hai.Isaka istemal kaha aur kaise karana hota hai.

Aur bahut sari bhrantiya bhi logo me credit card aur debit card ko lekar faili huyi hai.

Credit and Debit Card

Credit Card Vs Debit Card

Mere iss artical ko likhane ka uddheshya hai ki – aise log jo credit aur debit cards ka matalab nahi samajhate hai,vo samajh sake.Aur apane anadar ke sare confusion ko dur kar le.

Credit Card Aur Debit Card Ki Puri Jankari

Jab se hamare Prime Minister Narendra Modi Ji desh me vimudrikaran (dimonetization) kiya hai.Tab se log cashless transaction ki taraf tezi se attract huye hai.

Pahale jo log apane cards ko online use karne se darate the ,lekin ab unhe bhi use karana pad raha hai.Aise situations me aapko apane cards ke bare me puri jankari honi chahiye.

Agar aapko credit aur debit card ke bare me nahi pata hai to chinta karane ki koi baat nahi.Iss article ko last tak padane ke bad aap sab kuch samajh jayenge.

 What is Credit Card in Hindi ?

Credit card bank dwara provide kiya gaya post paid card hota hai.Post paid ka matalab hai-pahale paise ka use karna aur baad me paise ka bhugatan karana.Isaliye credit card ko udhar card (उधार कार्ड) ke naam se bhi jana jata hai.

 

Credit card banavane ke liye minimum aapki salary ₹20000 honi chahiye.Lekin yah amount pratek bank ke liye alag alag ho sakata hai.

Aapke salary ke hisab se  hee aapke credit card ki monthly limit set ki jati hai.Jisase aap ek mahine me kitane rupaye tak ka istemal kar sakte hai.

Aur phir istemal kiye gaye rupaye ko 20 se 50 din ke andar ,bank ko vapas karana hota hai.Jis par hame koi intrest nahi dena hota hai.

Agar nirdharit samay tak paisa bank ko vapas nahi kiya gaya to uss par bahut hee jyada intrest ya byaj lagata hai.Aur isake sath-sath hame late fee aur service charge bhi dena hota hai

Credit card ke liye bank me account hona jaruri condition nahi hai.Bina bank account ke bhi ise banwaya ja sakata hai.

Isake liye bank jakar kuch necessary document jama kar ke credit card prapt kar sakte hai.

  • Credit card ke fayade

Emergency Money :-

 

Ham kahi bhi aur kabhi bhi fix limit tak ke paise nikal sakate hai.Bank account me zero balance hone par bhi.☺

Agar hame emergency me kuch paiso ki jarurat ho,aur account me paise nahi hai fir bhi ham isake dwra paise nikal sakte hai.

 

Offer Benefits :-

 

Maximum time online product kharidane par sirf credit card dwara paisa pay karane par hee hame offer ka labh milata hai.

Mai kuch examples deta hu ki agar hame Godaddy se domain name kharidana ho,Hostgator se hosting kharidana  ho ya fir koi aur bhi product ho sakata hai,Jise aap online buy kar rahe hai.

Jis par kuch specific promo code add karane par hame offer ka labh milata hai.Par offer ka labh lene ke liye hame sirf credit card se hee paisa pay karane ka option aata hai.

 

Aise situations me agar aapke pas credit card hai to aap easily offer ka luft le sakte hai.

Lones :-

 

Credit card ke dwara aasani se lone paas ho jata hai.Chahe vo home lone ho ya fir study ke liye lone.Lone lene ke liye aapka Credit Card score achha hona chahiye.

CC score ko accha banaye rakahane ke liye hame time to time pichale paise ko pay karana hota hai.Isake sath he aur bhi bahut sare factor par cc score depend karata hai.

 

EMI (Equated Monthly Installment) :-

 

Aapne suna hoga ki kisi ne EMI par phone liya ya EMI par ghar liya.EMI par kisi saman ka lene par kisto(installment) me paisa pay karana hota hai.

Aur EMI ka bhugatan hame credit card dwara kar sakte hai.I think ab aap EMI aur credit card ka relation samajh gaye honge.

 

As a ATM Card :-

 

Ji ha….  aap credit card se cash bhi nikal sakte hai.Bahut se log sochate hai ki isase sirf online payment he kiya ja sakata hai.Lekin isake dwara ham atm machine se paisa bhi nikal sakate hai.

Par charge adhik hone ke karan mai aapko suggest karunga ki atm se bahut emergency hone par he credit card se paisa nikale.

 

  • What is Debit Card in Hindi ?

Debit card bank dwara provide kiya gya prepaid card hota hai.Aaj ke samay me milane wale adhikatar card debit cum atm card hote hai.

Debit cum ATM card means isase atm se paisa nikalane ke sath online transactions bhi kar sakate hai.

 

Isake liye apane bank me ek chhota sa form bhar kar apply kar sakte hai.Form jama karane ke 15-20 din ke andar card mil jayega.

Note:- Upper bataya gaya time kam ya jyada bhi ho sakata hai.Yah time bank to bank differ karta hai

  • Debit Card Ke Fayade

Easily Availability :-

Isake liye koi minimum salary ki jarurat nahi hoti hai.Ek aam adami jisaki koi fixed monthly income nahi hai vo bhi iss card ko banava sakata hai.

Isake liye kisi extra document ki jarurat nahi hoti hai.Apana id proof jaise aadhar card,Drivery license ,pan card etc dekar banwaya ja sakata hau.

 

Don’t Worry About Cash:-

Debit card hone se paisa lekar ghumane ki koi jarurat nahi.Kisi bhi ATM machine me card dal kar paisa nikal sakte hai.

Pahale ke samay me log paisa lekar kahi travel karate the.Lekin aaj ham debit card dwara kahi bhi paisa nikal sakte hai.Hame cash lekar chalane se mukti mili hai.

 Ye bhi padhe :-

I hope aapko debit card aur credit card ke bare me achhe se samajh aa gaya hoga.Isase related agar aapka koi aur sawal ho to puch sakate hai.

 

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