Credit Card Kya Hai? Fayde, Nuksan Aur Galtiyan Jo Aapka CIBIL Score Barbaad Kar Sakti Hain

Credit Card Kya Hota Hai?
Credit Card bank ya financial company ke dwara diya gaya ek plastic card hota hai jisse aap bina turant paise diye shopping kar sakte ho.
Bank aapko ek credit limit deta hai, jise baad me bill aane par chukana hota hai.

👉 Lekin dhyan rakhiye:
Galat istemal aapko debt trap me phansa sakta hai.
Credit Card Kaise Kaam Karta Hai?
Aap card se payment karte ho
Bank pehle merchant ko paise deta hai
Aapko har month bill generate hota hai
Due date tak payment karni hoti hai
⏰ Late payment = High interest + penalty

Credit Card Ke Fayde (Agar Sahi Use Karein)
✔ Emergency me turant payment
✔ Cashback aur reward points
✔ Online shopping safe hoti hai
✔ EMI option available hota hai
✔ Credit score improve hota hai (agar time par payment ho)

Credit Card Ke Nuksan (Jo Log Ignore Karte Hain)
❌ 30%–48% tak yearly interest
❌ Late fees + GST alag
❌ Minimum amount pay karne par debt badhta jata hai
❌ Overlimit charge
❌ Galat use se CIBIL score kharab

⚠ Warning:
Ek galti aapko saalon tak loan lene layak nahi chhodti.
Credit Card Bill Time Par Nahi Bhara To Kya Hoga?
Heavy interest lagega
CIBIL score gir jayega
Bank recovery calls karega
Future me home loan / car loan reject ho sakta hai

👉 Isliye minimum amount nahi, full amount bharein.

Credit Card Lene Se Pehle Dhyan Rakhein
✔ Annual fees check karein
✔ Interest rate compare karein
✔ Reward sirf dikhaava na ho
✔ Apni income se zyada limit na lein
✔ Sirf zarurat par use karein

Credit Card Se Paise Nikalna Sahi Hai?
❌ Bilkul nahi!
Cash withdrawal par:
Turant interest
Extra charge
No interest-free period

Yeh sabse mehnga option hota hai.
Beginners Ke Liye Best Credit Card Tips
🔹 Ek hi credit card rakhein
🔹 Due date reminder laga lein
🔹 Shopping ke liye nahi, planning ke liye use karein
🔹 Bill hamesha full pay karein
🔹 Credit limit ka 30% se zyada use na karein

Credit Card Smart Hai Ya Dangerous?
✔ Sahi use = Powerful financial tool
❌ Galat use = Debt ka jaal

👉 Decision aapke haath me hai.
👉 Banking Gyaan Hindi Tip
“Credit card paisa nahi deta, zimmedari deta hai.”

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