Credit Card Kya Hota Hai | (Simple Explanation)
Aaj ke blog post me hum janenge credit card kya hota hai, iska use, fayde & charges ke bare mein. Credit Card ek financial tool hota hai jo bank ya financial company aapko deti hai. Isse aap abhi kharidari kar sakte ho aur baad me payment karte ho.
Simple words me:
Abhi kharch karo, baad me paisa do – lekin ek fixed limit ke andar.
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Agar aap time par bill pay kar dete ho to interest nahi lagta, lekin late payment par charges + interest lag sakta hai.
Agar aap IDFC First Bank Credit Card jaise cards ke features aur benefits detail me padhna chahte ho, toh humari dedicated guide padhein.
Credit Card Kaise Kaam Karta Hai?
- Bank aapko ek Credit Limit deta hai (jaise ₹50,000)
- Aap card se shopping / bill payment karte ho
- Har month ek Credit Card Bill generate hota hai
- Due date se pehle bill pay kar diya → No Interest
- Late payment → High Interest + Penalty
Credit Card Ke Fayde (Benefits)
✔ Emergency me paiso ka backup
✔ Online shopping & offers
✔ Cashback & Reward Points
✔ Credit Score strong hota hai
✔ EMI option available
✔ Travel & lifestyle benefits
Credit Card Ke Nuksan (Disadvantages)
- High interest (30–45% yearly)
- Over-spending ki aadat
- Late payment penalty
- Annual / joining fees
- Galat use se credit score kharab
Note: Sirf utna hi kharch karein jitna repay kar sakein.
Credit Card Charges
| Charges Type | Details |
|---|---|
| Interest | 2.5% – 4% per month |
| Late Fee | ₹500 – ₹1,300 |
| Annual Fee | ₹0 – ₹5,000 |
| Cash Withdrawal | Extra charges + interest |
| GST | Applicable |
Credit Score Aur Credit Card
Credit card ka sahi use aapka CIBIL / Credit Score improve karta hai.
Golden rules
- :Bill hamesha time par pay karein
- Credit limit ka 30% se zyada use na karein
- Minimum due se zyada amount pay karein
Beginners Ke Liye Credit Card Tips
- Lifetime free card se start karein
- Auto-debit enable rakhein
- Cash withdrawal avoid karein
- Sirf zarurat par use karein
- Statement har month check karein
Conclusion
Credit card ek strong financial opportunity hai agar aap ise discipline aur planning ke saath use karein. Beginners ke liye credit card sirf kharch karne ka zariya nahi, balki credit score build karne ka best option hai.
FAQ – Credit Card Kya Hota Hai?
Credit card kya hota hai?
Credit card ek banking tool hai jisse aap pehle payment kar sakte ho aur baad me bill pay karte ho.
Credit card aur debit card me kya difference hai?
Debit card aapke bank balance se paisa kat-ta hai, jabki credit card me bank ka paisa use hota hai.
Credit card lene ke liye kya chahiye?
Income proof, age 18+, PAN card aur achha credit score helpful hota hai.
Kya credit card free hota hai?
Kai banks lifetime free credit card offer karte hain, lekin kuch cards me annual fee hoti hai.
Late payment par kya hota hai?
Late payment par interest, penalty aur credit score negative impact hota hai.
