Introduction
Credit Card ek aisi financial tool
hai jo aapko bina cash ke payment karne ki suvidha deta hai. Lekin agar sahi
tarike se use na kiya jaye, to ye aapko karz ke dal dal me bhi le ja sakta hai.
Is blog me hum simple Hinglish me samjhayenge ki credit card ke kya fayde
(advantages) aur kya nuksan (disadvantages) hote hai, taaki beginners ko sahi
decision lene me madad mile.
Credit Card Ke Fayde (Advantages)
1.
Instant Credit Facility
Credit card se aap bina apne bank
balance se paisa kharch kiye, kisi bhi transaction ko complete kar sakte ho.
Yeh ek short-term loan ki tarah kaam karta hai jo interest-free hota hai agar
aap due date se pehle repay kar do. Generally aapko 45 days milte hai repayment
ke liye. For example agar aapne kharch kiya mahine ki 1 tarikh ko aur aapka
bill 31 tarikh ko generate hoga aur aapko 15 tarikh se pehle payment
karna hota hai.
2.
Reward Points, Cashback aur Offers
Har transaction par aapko reward points,
cashback ya discounts milte hai. Airlines, shopping, dining, fuel par special
offers milte hai. In reward points ko aap shopping, vouchers ya tickets me
redeem kar sakte ho. Aapne dekha hoga ki most of offer mobile mai zyada milte
hai. aapne aise logo ko bhi dekha hoga jo koi specific bank se mobile khardne
par cashback milega, is tarah se aap ache reward point aur cashback kama sakte
hai.
3.
EMI Facility
Bade kharche jaise mobile, fridge ya
travel ke liye aap payment ko EMI me convert kar sakte ho, lekin me kabhi bhi
convert to EMI facility use karne ko nahi kahuga. Kyoki aapke upar financial
load badhega interest ka expense badhega. Agar aapke paas abhi bada amount pay
karne ke liye paise nahi hai to aap convert to EMI ki facility use kar sakte
hai. lekin jab tak ek kharche ke EMI khatam na ho tab tak dusra bada kharch
avoid karo.
4.
Credit Score Build Karne me Madad
Agar aap apne credit card ka sahi
use karte ho (bina default ke time par bill pay karna), to aapka CIBIL score
improve hota hai. kyoki credit card unsecure hai, aur unsecure ka repayment ko financial
institutions positive signal mante hai aur future me personal loan ya home loan
lena easy ho jata hai.
5. Online Shopping aur International Use
Credit card se aap secure payment ke
sath India ya bahar ki website se shopping kar sakte ho. International payment
gateways bhi accept karte hai. matlab aapko payment ke zyada options available
rehte hai aur ek flexibility milti hai.
6.
Emergency Fund ki Tarah
Achanak medical ya travel emergency
me credit card aapka kaafi kaam aa sakta hai. Jab bank me paisa na ho to bhi
aap transaction complete kar sakte ho aur baad me aap credit card ka bill pay
karke mentaly stress free reh sakte hai.
7.
Secure Transactions
Credit cards me fraud protection
features hote hai jaise OTP, transaction alert, zero liability policy. Agar koi
unauthorized transaction hota hai to aap report karke paisa recover kar sakte
ho.lekin hamesha yaad rakhe ki kisi ke sath OTP aur transaction password share
na Karen.
Credit
Card Ke Nuksan (Disadvantages)
1.
High Interest Charges (APR)
Agar aap pura bill time pe pay nahi
karte ho to credit card companies 30% - 40% annual interest charge karti hai.
Ye kaafi mehenga ho sakta hai aur aap ise challenge bhi nahi kar sakte, matlab
aap court me case nahi kar sakte, ki is bank ne zyada interest charge kiya. Is liye
maine pehle hi bola ki kisi bhi transaction ko convert to EMI avoid karo.
2. Debt Trap Ka Risk
Jab
bhi jitna bhi credit card se kharch karo hamesh try karo ki full amount ka hi
payment karo, convert to EMI aur pay minimum due ko avoid karo. Ek example se
aapko samjata hu.
Manlo
ki aapne Rs.12,000 ka kharcha credit card se kiya, aur aapne minimum due
Rs.3,000 payment kiya to bank aapke full amount Rs.12,000 ke upar interest
vasool karegi, matlab Rs.12,000 ka 3.6%
Rs.432 extra next bill me lagayega. Aapko ye amount chhota lagega lekin
agar aapko minimum due ki aadat pad gai to aap dhire dhire karze ke chakravyooh
me fas sakte hai.
Isliye
hamesha koshish karo ki credit card ka full amount hi payment Karen.
3.
Overspending ka Risk
Credit card ka sabse bada disadvantage
mai manta hu ki jarurat se zyada ka kharcha. Matlab humans ka nature hota hai
agar facility milti hai to 100% use karege hi. Aur har kisi ko apne sapne pure
karne hote hai, jaise dream mobile khardna, gharme achha fridge kharida, AC aur
bhi bahot kuchh kharid ne ka man karega aur aap zyada expense karege. Ek aur
baat credit card ka bade malls me zyada use hota hai. paise hone ke case me aap
zyada achhi kharid ne ki soch lete hai. aur overspending ho jata hai jo aage
chalke financial health kharab kr sakta hai.
4.
Hidden Charges
Credi card ko lene se pehle aap
hamesha dhyan se terms aur conditions padhen. Kyoki aap apni jarurat pura karne
ke chakkar me documents proper verify nahi karte aur bank extra chages vasoolti
hai, jaise penalties, bank charge, aur bhi un nassesories charges bhi lagate
hai.
5.
Credit Score Down Ho Sakta Hai
Aapko ye dhyan rakhna hai ki aapni
credit ka 30% se zyada kabhi use mat karo. Agar aap aap 70% aur 80% se zyada
credit use karte ho aur minimum due pay karte ho to aapka credit score down
hone ki sambhavna hai.
6. Fraud Risk.
Aaj kal online fraud bahot ho rahe
hai,log fake calls aur emails. agar galti se bhi aapne apni credit card ki
details kisi ke sath share ki to scammers aapke credit card se kharch kar sakta
hai. isliye apna PIN, transaction password har 2-3 mahine change kar sakte hai.
Credit
Card Use Karne Ke Tips (For Beginners)
- Har mahine pura bill clear karein, minimum payment se
bachien.
- Apni limit ka sirf 30-40% hi use karein.
- Auto-debit option enable karein due date miss na ho.
- Offers aur cashback ko smartly use karein, bas tempt
hokar nahi.
- Card details kisi ke sath share na karein.
FAQs
(Frequently Asked Questions)
Q1: Kya credit card lena safe hai? Haan, agar aap responsible user ho to credit card lena safe
hai. Bas bill time pe pay karna zaroori hai.
Q2: Best credit card beginners ke
liye kaunsa hai? HDFC MoneyBack, SBI SimplySAVE,
Axis Neo jaise beginner-friendly cards best hai.
Q3: Kya credit card se cash nikaal
sakte hai? Haan, lekin uspe high interest aur
ATM withdrawal charge lagta hai. Avoid karna chahiye.
Q4: Kya ek se zyada credit card
rakhna chahiye? Agar aap manage kar sako to rakh
sakte ho, lekin unnecessary card se credit score down ho sakta hai.
Conclusion
Credit card ek powerful financial
tool hai jo sahi use karne par aapki life easy aur rewarding bana sakta hai.
Lekin agar aap careless hue to ye aapko stress aur karz me bhi daal sakta hai.
Umeed hai ki aapko "Credit Card ke Fayde aur Nuksan" ki yeh Hinglish
guide pasand aayi hogi.
Agar aap naye user ho to sabse pehle
zero annual fee ya low limit wale card se start karein aur
financial discipline banayein.
Agar aapko mera ye Article pasand aya ho to aap apne vichar comment kar sakte hai aur ye article apne dosto aur rishtedaro ke sath useful infromation share bhi kar sakteho.
Comments