Credit Card के फायदे और नुकसान

आज के समय में हममे से काफी लोग Credit Card का यूज़ करते हैं।

Credit Card का सबसे बड़ा फायदा है कि Credit Card कॉम्पनीयां कार्ड का पेमेंट आपके बैंक अकाउंट से तुरन्त नहीं काटती है।

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जबकि डेबिट कार्ड से आपके बैंक अकाउंट में से पैसा तुरन्त कट जाता है।

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अगले स्लाईड में जानिए कि अगर आप कुछ बातों का ध्यान न रखें तो आपको काफी नुकसान उठाना पड़ सकता है।

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1. आपने अक्सर देखा होगा कि जब कभी भी आपके सेविंग अकाउंट में बैलेंस मिनिमम से नीचे आ जाता है तो मोबाइल पर SMS का अंबार लग जाता है।

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लेकिन Credit Card के बिल को जमा करने के लिए आपके पास कोई मैसेज नहीं आता, कंपनी चाहती ही नहीं है कि आप पहले महीने में ही सारा पेमेंट कर दें।

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Credit Card कंपनियां ये चाहती हैं कि आप और लेट करें और बाद में लेट फीस भरें।

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2. बैंक आपको कभी भी अपने आप से यह नहीं बताता है कि आप अपने रिवार्ड प्वाइंट्स को कैसे रीडीम कर सकते हैं।

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जानकारी न होने से Credit Card में लाखों रिवार्ड प्वाइंट्स पड़े रह जाते हैं और क्रेडिट कार्ड एक्सपायर हो जाता है।

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3. बैंक अक्सर आपको ऐसे ऑफर देते रहते हैं कि आप फ्री में अपने सिल्वर क्रेडिट कार्ड को गोल्ड क्रेडिट कार्ड में और गोल्ड को प्लेटिनम क्रेडिट कार्ड में अपग्रेड करवा सकते हैं।

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लेकिन आपको ये काभी नहीं बताते हैं कि नये क्रेडिट कार्ड के लिये आपको 500 रुपए से 700 रुपए तक का फीस भी देना पड़ेगा।

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जब भी आप क्रेडिट कार्ड के लिए आवेदन करें तो सभी जानकारी अच्छे से पढ़ें, क्रेडिट कार्ड को सही ढंग से यूज ना करने पर कर्ज के जाल में फंस सकते हैं।

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