Regarding credit card, you must have heard that there is a plastic card like credit card, debit card / ATM card. But often there is a lot of misunderstanding about the credit card and debit card in the hearts of people, so today we are going to tell you in this post what is a credit card? Which bank's credit card is best
Do you use Credit Card? If yes, then you should make maximum use of it. Apart from this, some precautions are also necessary. Otherwise, it does not look too late to be trapped in debt trap. Many people just like to use the Debit Card for this reason.
With Debit Card, you can spend as much money as you can in your bank account, whereas credit card is like a borrowing account.
You can take full advantage of these credit cards by taking care of these things.
|| Regular spend management ||
You can spend your regular expenses with the help of a credit card. You get enough time in the credit cycle. Using a Credit Card for regular expenses also helps you keep track of them.
|| Scope and scope for mistakes ||
Making payments online through Debit Card can be dangerous. The risk of debit card is therefore big because it can blow up the entire amount associated with your bank account at one go. It may take a lot of time to get it back. In the case of a credit card, it takes time to repair the mistake.
|| Emergency Helpline ||
This is very helpful in emergencies. This can be quite useful in an emergency such as hospitalization. Credit Card is the easiest option for money compared to the time taken to withdraw money or process the loan from the bank account. If you have spent more then you may have to pay an over limit fee on the credit card.
|| Great credit score ||
If you spend money with a Credit Card and make payments on time, you can make a Credit Score. It helps you a lot in the long run.
|| Who Can Get Credit Cards ||
However, a credit card can be taken by all the people, but before paying a credit card to any of its customers, all the bank details are seen by the bank about how much your income is, and on the same basis, the bank gives you a credit card, and sets its limits. Most government / private jobs, business people use credit cards. If you are employed in a private company, you can get a credit card by doing bank FD (Fixed Deposit). Most people pay a credit card by showing their jobs or business banks
|| How to apply online for a credit card ||
You can apply for a credit card in any bank according to your need. There are different ways for issuing a credit card in every bank. For a cricket card in any bank, application is made both online and offline. But in some banks you can apply online for credit card
|| Benefits of Credit Card ||
You can shop online from anywhere through a credit card.
If you have a credit card, you do not need to take Cash Cash anywhere.
If you want to buy something similar and you do not have the money at that time then you can buy that same at the same time through a credit card and you get 50 days to deposit that money into the bank.
You can organize your monthly shopping through a credit card.
|| Credit card losses ||
Nowadays online hacking has increased significantly due to which sometimes the credit card gets hacked and thereby can cause you a lot of money loss.
Almost all the banks, when giving credit cards to their customers, say that you have to pay zero percent interest rate. But in lieu of this, the bank also applies to many cats, which are usually not followed by people and people have to pay more money.
Due to the credit card, you never feel the lack of money, which increases your spending.
Late payments can downgrade your credit card's score, so that you have trouble later on.
If you can not pay the credit card to the bank on time, the bank can charge more for you.
Friends, this was Advantage and Disadvantage of Credit Card in Hindi. We hope that you have liked this information. Share this information with your friends.
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