What is credit card in hindi | Credit card kya hai? Credit Card ki jankari hindi me

Dosto ! What is credit card (in hindi) ?
Aapne bahut bar credit card aur debit card ke bare me suna hoga aur aap ke man me ye question bhi utha hoga ki Credit Card Kya hai ? Ya phir Debit card kya hai ?
Aaj hum yaha Credit Card ki jankari hindi me denge.

इस पोस्ट में हम जानेंगे -
  • What is Credit Card (in Hindi)
  • Credit Card और Debit Card में अन्तर
  • Debit Card और ATM में अन्तर
  • Credit Card किसे और कैसे मिलता है ?
  • Credit Card के फायदे और नुकसान

What is Credit card (in hindi) , Credit card kya hai?

Credit Card ki jankari hindi me
Credit Card ki jankari hindi me

Dosto Credit card ek tarah se Plastic Money hai. Plastic Money ek prakar ka card hota hai jis se hum ATM se paise nikal sakte hai ya shopping kar skte hai, ya Bill jama kar skte hai. Agar baat kare Credit card ki to Jaisa iske naam se hi pta chal rha hai ki Credit Yani ki Loan. Matlab Ek aisa Card jo hame Loan par mila hua hai. Par Question ye banta hai ki jab debit card tha to credit card kyu laya gya. To chaliye pahle ye jante hai ki Debit Card aur Credit Card me anter kya hai?


Debit Card aur ATM card me antar :


ATM Card ki madad se aap Kisi ATM se Cash (Money) nikal sakte hai. ATM Card ke Front Par (Samne) koi bhi logo (Ex: Master Card, Visha, Rupay) nahi lga hota hai. AtM cards ka Use kewal aur kewal ATM se Paise nikalne me hi istemal kiya ja skta hai. Aur kisi kaam me nhi (Ex : Shopping, Bill Payment etc..)


Credit card aur Debit card me antar :

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. Jo hame tabhi milta hai jab hum bank me apna Account Open karwate hai. jab Aap apne Debit Card ka use Shopping, Bill Payment etc.. kisi bhi kaam ke liye karte ho to aap maximum utne paise hi kharch kar skte ho jitna aap ke bank account me hai. 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. Kyuki Credit card Loan (Udhar) ki money hai, isliye iska payment hame usi time nhi karna hota hai, iska Payment Month ke last me total bill generate hone ke baad dena hota hai. Aap ko ye paisa Bill generate hone ke karib 20 din ke andar pay karna hota hai.
Yani ki agar month ke start me aap ne shopping kar li, aur aapko iska payment karib 50 din baad karna hota hai.

 Credit card kisko milta hai ?

Credit Card lene ke liye aap Apne Bank ke Branch par ja skte hai, Ya Bank ki Online Website se bhi apply kar skte hai. Par Friends sab ko Nhi milta hai Credit Card. Agar Aap Government Job karte hai, ya phir Kahi par salary par kaam karte hai, ya phir koi aisa kaam karte hai jise aap Document ke madhyam se dikha skte hai. Yani ki Apne jo paisa kamaya hai. Uska aapke pas Proof hona chahiye. Tab hi aap ko Credit Card milega. Jo log job karte hai vo apna income proof dikha kar Credit Card le skte hai.

Par agar aap Ek student ho, to phir aapke paas Income ka koi proof nhi 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) karana hoga. Us ke basis par bhi aapko Credit Card mil jayega.
Maximum Banks Apke Fix Deposit ke 80% - 85% Money ka Credit Card banate hai. Minimum Fix Deposit 20,000₹ Ka hona chahiye.
Example se samjhte hai. Maan lo apne 1,00,000₹ (1 लाख) Rupaye ka FD(Fix Deposit) kara diya. To Apko 80,000₹ - 85,000₹ tak ka Credit Card mil jayega.
Yani ki aap Month me maximum 80,000₹ - 85,000₹ tak kharch kar skte hai.

Credit Card ke Fayde

  • Credit Card se Payment karne par hame bahut discount milta hai. Example se samjhte hai: Maan lo aap kisi shop par SoundLogic ka Bluetooth Headset with Mic Headphone kharidne gye. Ya online kisi shopping website se Buy kar rhe hai to, Credit Card hone se aap ko Extra Discount mil jata hai.


Image me Dekhe
What is credit card in hindi | Credit Card ke Fayde

Jisa ki aap image me dekh rhe hai, Credit card se payment karne par aap ko 10% ka extra Discount mil rha hai.


  • Dursa sabse bda fayda ye hai ki aap ko kahi bhi Cash lekar nhi jana padta. Chahe aapke bank account me paise ho ya na ho. aap shopping, bill payment etc..aram se kar skte hai.
  • Emergency me aap kisi ATM se apne Credit Card ka Use karke Cash bhi nikal skte hai. 


Credit Card ke nuksan

  • Agar aap kabhi Emergency me kabhi ATM se apne Credit Card ka use karke Cash Nikal lete ho to bank apke upar Penalty (दंड) lagana start kar deta hai.
  • Agar kabhi Bill generate ho jane par aapne samay ke bill payment nhi kiya to bhi bank aapke upar penalty lga deta hai. 
  • Credit Card ka sabse bda nuksan tab hota hai jab aapka credit card gum ho jata hai (खो जाता है ) ya 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. Isliye bahut hi sambhal kar rakhna hota hai 
 Note : 
  1. kisi bhi Bank se Credit card lene se pahle aap us Bank ki Policies jarur padh le. 
  2. Credit card gum ho jane par ya chori ho jane par bank ki shakha par jakar, ya bank ke Customer care call center par call karke apne Credit Card ke chori ho jane ki suchna turant de. Aur apna Card block karwaye.
Final Words : 

Doston ! 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. Agar phir bhi jankari chahiye, To Post ke niche comment kar ke aap apna Question puch sakte hai. Hum replay jarur karenge.
Thanks !

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4 Comments

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    Replies
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