Introduction
Credit card aaj ke time me ek
powerful financial tool hai. Lekin agar time par payment na ho, toh yeh ek
costly mistake ban sakta hai. Iss article me hum discuss karenge:
- Late payment ka kya matlab hai?
- Credit card late fees kaise calculate hoti hai?
- Interest charges kitne lagte hain?
- Hidden charges aur GST kaise lagte hain?
- Kaise bachein unnecessary charges se?
Is article me aapko late payment ke charges ke baare me exact information milegi..
Credit
Card Late Payment Kya Hota Hai?
Jab aap apne credit card ka minimum
due amount ya total outstanding amount due date ke baad pay karte ho, toh
use "late payment" kaha jata hai.
Example:
- Billing Date: 1st June
- Due Date: 20th June
- Payment kiya: 25th June
Toh 5 din ka delay late payment mana
jaayega, aur bank aap par charges lagaega.
Credit
Card Late Fees Kaise Lagti Hai?
Har bank aur credit card issuer ka
apna late fee structure hota hai. Usually yeh slab-wise hoti hai:
|
Outstanding
Amount (INR) |
Late
Payment Fee (Approx) |
|
0 - 100 |
Nil |
|
101 - 500 |
₹100 |
|
501 - 5,000 |
₹500 |
|
5,001 - 10,000 |
₹750 |
|
10,001 - 25,000 |
₹950 |
|
25,001 - 50,000 |
₹1,100 |
|
50,000+ |
₹1,300 |
Note: Yeh fees GST ke bina hai. 18%
GST extra lagta hai.
Interest
Charges on Late Payment
Late fees ke alawa, interest
charges bhi lagte hain. Yeh monthly interest rate hota hai, jo ki 2.5% se
4% tak hota hai.
Example:
Agar aap ₹10,000 due amount ko pay
nahi karte aur monthly interest 3.5% hai:
- Interest = ₹10,000 x 3.5% = ₹350/month
- Annualized = 42% p.a.
Yeh interest daily basis par
calculate hota hai jab tak aap full outstanding clear nahi karte.
GST
Charges on Late Payment - GST ki Jankari ke liye click karen
Sabhi late fees aur interest charges
par 18% GST lagta hai. Example:
- Late fee = ₹750
- GST = ₹750 x 18% = ₹135
- Total charge = ₹885
Yeh tax bhi aapke statement me
reflect hota hai.
Other
Hidden Charges
Late payment se aur bhi hidden
charges lagte hain:
1.
Overlimit Fee
Agar aapka outstanding amount aapke
credit limit se zyada ho jata hai, toh ₹500 - ₹1,000 ka overlimit fee lagta
hai.
2.
Interest on EMIs
Agar aapne kisi transaction ko EMI
me convert kiya hai, aur payment delay hota hai, toh EMI par bhi extra interest
lagta hai.
3.
Credit Score Impact
RBI guidelines ke hisaab se 90 days
se zyada delay hone par aapka account NPA ban sakta hai. Iska direct impact
aapke credit score par padta hai.
Kaise
Bachein Credit Card Late Payment Charges Se?
1. Auto Debit Set Karein
Apne savings account se credit card
ka minimum due ya full payment auto debit set karein.
2.
Due Date Reminder Lagayein
Phone me calendar ya UPI app se due
date reminder lagayein.
3.
Minimum Due Mat Pay Karein
Sirf minimum due pay karne se
interest lagta rahega. Hamesha full payment karein.
4.
Credit Limit Ka Dhyan Rakhein
Kabhi bhi apne credit limit ka 30% se
zyada use na karein. Yeh discipline maintain karega.
Bank-wise
Late Payment Charges (Top Credit Cards)
Yeh bhi padhen, Best Credit card in india
1.
HDFC Bank Credit Card
- Late Fee: ₹100 - ₹1,300 (slab-based)
- Interest Rate: Up to 3.6% per month
- GST: 18% on all charges
2.
SBI Credit Card
- Late Fee: ₹400 - ₹1,300
- Finance Charges: 3.35% p.m.
- Overlimit: ₹500
3.
ICICI Bank Credit Card
- Late Fee: ₹100 - ₹1,200
- Finance Charges: 3.4% p.m.
4.
Axis Bank Credit Card
- Late Fee: ₹300 - ₹1,200
- Interest: 3.6% p.m.
5.
Kotak Mahindra Credit Card
- Late Fee: ₹100 - ₹1,200
- Interest: 3.5% p.m.
Tip: Har card ka schedule of charges
alag hota hai. Official bank website par jaake latest fee structure check
karein.
Late
Payment ka Credit Score Par Effect
Late payment sirf paisa nahi, aapka CIBIL Score(CIBIL ki Puri jankari ke liye click karen) bhi kharab karta hai. Agar 30-60 din se zyada ka delay hota hai, toh wo CIBIL report me reflect hota hai:
|
Delay
(Days) |
Effect
on Credit Score |
|
0-29 |
No major effect |
|
30-59 |
Moderate dip |
|
60+ |
Major drop (50+ points) |
Agar aapka score 750+ se neeche aata
hai, toh future loans aur credit approvals mushkil ho sakte hain.
Frequently
Asked Questions (FAQs)
Q1.
Late fee aur finance charge alag hote hain kya?
Yes. Late fee ek one-time penalty hai. Finance charge yaani
interest har din lagta hai jab tak aapka balance clear nahi hota.
Q2.
Kya late fee maafi mil sakti hai?
Kabhi-kabhi haan. Agar aapka record clean hai aur sirf ek baar delay hua hai,
toh bank se request karne par charges waive ho sakte hain.
Q3.
Sirf minimum due pay karne se late fee lagegi?
Nahi, minimum due pay karne par late fee nahi lagti, lekin
interest charge zarur lagta hai.
Q4.
Kya RBI ne late fee ko regulate kiya hai?
RBI har bank se transparent aur fair
fee structure banane ko kehta hai, lekin fixed capping nahi hai.
Conclusion
Credit card ka smart use financial
convenience deta hai, lekin late payment ek costly mistake ho sakta hai. Har
cardholder ko: Credit card ke Fayde aur Nuksan jan ne ke liye Click karen.
- Late fees structure samajhna chahiye,
- Time par payment karna chahiye,
- Aur apne credit score ko safe rakhna chahiye.
Agar aap in points ka dhyan
rakhenge, toh unnecessary late fees aur charges se bach sakte hain.
Agar aapko yeh article helpful laga
ho, toh apne doston ke saath share karein aur apna feedback niche comments me
likhein.
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