ho

jaise ek sikke ke do pahaloo hote hain, vaise hee har cheez ke apane phaayade aur nukasaan hote hain, aur kredit kaard bhee alag nahin hain. jab aap is baare mein sochate hain ki aapako kredit kaard khareedana chaahie ya nahin, to aapako pata hona chaahie ki kredit kaard kabhee bhee aapake vitteey svaasthy ko nukasaan nahin pahunchaega, agar aap isaka sahee tareeke se upayog karate hain. isake bajaay, yah aapake vitteey svaasthy ko behatar banaane mein madad karega.

haalaanki, aise kuchh kaaran hain jinakee vajah se aap apane lie kredit kaard lene ka nirnay lene ko lekar chintit honge. neeche kredit kaard ke kuchh phaayade aur kredit kaard ke nukasaan soocheebaddh hain. hamane yah bhee bataaya hai ki aap kredit kaard ke nukasaanon ko kaise door kar sakate hain aur unaka prabhaavee dhang se upayog kar sakate hain.

kredit kaard ke phaayade
kredit kaard nishchit roop se ek aavashyak vitteey upakaran ban gaya hai. unake ird-gird paida hue prachaar ke kuchh kaaran neeche soocheebaddh hain-

kredit kee vilaasita
kredit kaard hone se aapako apanee jeb se kharch karane kee suvidha milatee hai. kredit kaard aapako baink se paise udhaar lene aur kuchh samay ke lie aavashyak khareedaaree karane kee anumati dete hain. aapako bas apane vitt kee yojana achchhee tarah se banaane kee zaroorat hai taaki aap jama kee gaee raashi samay par chuka saken. isake alaava, aap 45-50 dinon tak kee byaaj mukt kredit avadhi par (apanee kredit seema ke bheetar) jitanee jaroorat ho utana udhaar le sakate hain.
kiphaayatee eeemaee kya
aap apane kredit kaard se badee khareedaaree kar rahe hain? badee rakam chukaane kee chinta na karen. aap apanee bil kee gaee raashi ko aasaan, kiphaayatee eeemaee mein parivartit karana chun sakate hain aur lambee avadhi mein bil kee gaee raashi ka bhugataan kar sakate hain. isase aap apane kredit kaard bil ka bhugataan karate samay apanee jeb par bhaaree bojh padane se bach jaenge.
aur padhen: kredit kaard ka bailens kaise chek karen?
vitteey svaasthy banaen
kredit kaard bilon ka samay par bhugataan ek svasth vitteey sthiti banaane mein madad karata hai. kredit kaard ke pramukh laabhon mein se ek yah hai ki isaka uchit upayog vaastav mein aapako kredit lain banaane aur banae rakhane mein madad kar sakata hai. is kredit lain ka upayog baink aapake kaard ke upayog aur kredit punarbhugataan ko dekhane ke lie kar sakate hain.
kredit skor mein sudhaar
kredit kaard ka upayog prabhaavee dhang se darshaata hai ki aap apanee vitteey sthiti ko achchhee tarah se banae rakhane mein saksham hain. isalie, kredit kaard rakhane se vyaktiyon ko apane kam kredit skor ko uchch kredit skor mein badalane mein madad milatee hai. kredit kaard ka upayog aksar aapakee udhaar lene kee aadaton ko sudhaarane aur badhaane ke lie “kredit bildars” ke roop mein kiya jaata hai. jaise-jaise aap apane kredit kaard ka sahee tareeke se upayog karate hain, aap dheere-dheere apanee kredit reting banaane mein saksham honge aur saabit karenge ki aap samay ke saath apane rn aur kredit ka prabandhan karane mein saksham hain.
suraksha
kredit kaard ek surakshit vitteey saadhan hain. any vitteey utpaadon kee tulana mein, kredit kaard mein bahut adhik suraksha suvidhaen hotee hain. puraane kredit kaardon ke vipareet, haal ke dinon mein jaaree kie ja rahe kredit kaard eeemavee (yoorope, maastarakaard aur veeza) chip se surakshit hote hain, jo antatah aapako kisee bhee dhokhaadhadee ka shikaar hone se bachaata hai. isake atirikt, vibhinn bainkon aur kredit kaard jaaree karane vaalee kampaniyon ne vibhinn suraksha upaay pesh kie hain jo lenaden kee suraksha sunishchit karate hain.
isake saath hee, bhaarateey rijarv baink ne bainkon ke lie kisee bhee anadhikrt ilektronik bainking lenaden ke maamale mein graahak kee denadaaree saabit karana anivaary kar diya hai. isalie, yadi koee dhokhaadhadee vaala onalain lenaden hota hai to kaard dhaarak ko apanee begunaahee saabit karane kee aavashyakata nahin hai.

bailens traansaphar yadi theek se upayog kiya jae, to kredit kaard ka
ek pramukh laabh yah hai ki yah aapako ek khaate se doosare khaate mein dhanaraashi sthaanaantarit karane kee anumati deta hai, bhale hee ve sev kredit kaard pradaataon se na hon. yah vikalp aapako laagoo byaaj shulk kam karane mein saksham banaata hai. udaaharan ke lie, yadi aapake paas ek kredit kaard ka bil lambit hai, aur is samay bil ka bhugataan karane ke lie paryaapt dhanaraashi nahin hai, to aap shesh raashi ko ek kredit kaard se doosare mein sthaanaantarit karana chun sakate hain aur byaaj dar shulk ka laabh utha sakate hain. naya kaard. isake atirikt, kuchh maamalon mein, aap bailens traansaphar par shoony-pratishat praarambhik byaaj shulk ka laabh bhee utha sakate hain. haalaanki, kuchh maamalon mein, aapako bailens traansaphar karane ke lie shulk bhee dena pad sakata hai.
aasaan rn sveekrtiyaan
kredit kaard aapako bainkon se rn udhaar lene kee suvidha bhee dete hain. jab aap aisa karate hain, to aapaka baink aapakee upalabdh kredit seema ke viruddh aapake baink khaate mein dhan hastaantarit kar dega. ek baar jab aapaka rn sveekrt ho jaata hai, to laagoo rn raashi kuchh hee minaton mein aapake baink khaate mein sthaanaantarit kar dee jaegee. aapako yah bhee dhyaan rakhana chaahie ki ek svasth kredit/udhaar itihaas aapake kredit skor par bhee prabhaavee dhang se kaam karega .
atirikt laabh
ek vishisht prakaar ke kredit kaard ka upayog karake kie gae lenaden par bahut saare atirikt kredit kaard laabh die jaate hain. ye atirikt laabh aapako rivord point, kaishabaik aur chhoot ke roop mein pradaan kie ja sakate hain jinhen bhavishy ke lenaden par bhunaaya ja sakata hai. aap apanee vishisht aavashyakataon ke aadhaar par kredit kaard khareedana bhee chun sakate hain. is prakaar ka kredit kaard kharch kee gaee raashi par atirikt laabh pradaan karega.

kharchon ka rikaard
jab aap kredit kaard ka upayog karate hain, to us par kie gae sabhee lenaden saheje jaenge. ye vivaran aapako aap