Credit card kya hai: In this article today, we will talk about Credit Card. What is Credit Card, who is given, how to apply for it, how to use, what is limits, how to pay the bill. Advantages and disadvantages of Credit Card. After discussing all these, you will clear your doubt.
Credit card kya hai:
Just as there is a debit card, there is also a credit card in the same way, in appearance, the credit card looks like a debit card, both of them are a kind of plastic money. But there is a lot of difference between these two. Debit card is always link with Bank Account but the Credit Card does not link with any bank account.
That is why we can spend only the amount from Debit Card as in our Bank Account, while in Credit Card, the bank provides us a limit to spend our amount, inside that limit, we can spend money from Credit Card, understand that we understand that we spend our own amount from our Bank Account from Debit Card.
Whereas from Credit Card, we spend the bank’s amount according to the bank limit according to the limit, this is a type of loan so that we can use online shopping, withdrawing money, for e-commerce, for hotel booking, for other places.
Credit card Types of / Types of Credit Card in Hindi:
Many types of credit cards are issued by the bank, here you are going to be released mainly about the credit card.
Simple Credit Card – Home Credit Card does not make any special benefit but issued by the bank issued by the bank at a cheaper rate to attract its customers but the customer does not get the rest of the benefits
Balance Transfer Credit Card – Balance Transfer Credit Card is a credit card that has to pay a low fee for transfer of balance.
Reward Credit Card – This is such a credit card. In which you are awarded on purchasing Premium Credit Card-Premium Credit Card is one such
There is a credit card. In which many types of facilities are given benefits. The benefits of these services are sometimes charged more.
Retail Credit Card – Retail records are such a credit card. Which can only be used at the stores connected to it.
Who is given Credit Card:
If you have a good salary job or good income source is going on, then you can get a credit card. Just you have to show your income source back. Credit card should be at least 18 years of age of the applicant. And he should have a saving account.
But a question must be coming in your mind whether the student can also get a credit card? So the answer is, yes can be found at all. But the student will have to show its proof by getting a fixed deposit (FD) in the bank instead of Income Source. So the student can also take this easily.
Credit card Apply for How to do
There are 2 ways to apply for a credit card. You can apply online and also apply offline. If you want to take SBI’s Credit Card, you can apply online by visiting SBICARD.com and if you want to apply Offline Apply.
So, after going to the bank whose credit card you want to take, you can also apply offline and after applying your credit card is sent by the bank to your address within 1 month.
Credit card Documents required for
Credit card Applying should keep its following documents ready-
ID proof – There should be PAN card, Aadhaar card, passport, voter ID card or license as an identity certificate.
Address proof – At least 2 months telephone bill, electricity bill, bank statement, ration card, passport, driving license, voter ID card, or rent contract should be one as a certificate of address.
Income Certificate – As an income certificate, a salaried person should have a statement of 6 months for 3 months salary slip and salary account. If the applicant is a self -employment or businessman, he should have proof of continuity of his business with evidence of his income.
Age proofFor age certificate, the applicant should have a birth certificate, Aadhaar card, voter ID card, passport or high school certificate of a secondary school.
Credit card How to use the use of
When you are given a credit card by the bank, it gives you a limit and gives you anything between 25000 to 300000, there can be anything in the middle which keeps growing with time, you can use the Credit Card in every place where you use Debit Card.
Credit card should never be taken out of cash, always online payment should be done because when the cash is released, the bank starts to feel PLENTY from the same day. Which will be very expensive for you.
Credit card Benefits of
When we need emergency payment somewhere and the credit card is very useful
When you do any online shopping, you get a reward point in it, which you can redim later.
When you do a booking or payment, then there is a lot of discounts in it.
Credit card Disadvantage
When you ever miss the credit card bill, you have to pay long ago.
You have to give annual fee to the bank whose bank you get to the Cardit Card.
If you withdraw money from ATM machine from Credit Card, then you start getting penalty from the day of withdrawing money.
If your credit card is lost and someone does interactive transaction with it, then its OTP does not come to you so that he can easily use the miss of your credit card. If OTP comes under national transaction only then it can cause you a lot of damage
You should stop the bank only after eating the card.
The use of Credit Card is more useful than the use of it, we do not have to buy anything and we have a credit card, then we feel that if the bill comes after 1 month, then the bill does not take tension after 1 month.
Credit card How to pay bills
The bill of Credit Card comes after a certain time, but even after the bill comes, we are given a discount of 15 days. To pay that bill, that is, when we spend money from our credit card, then it has to be paid to the bank within about 50 days.
You can pay direct internet banking or have a lot of applications like phone pay, you can pay by entering your credit card number there, if you want, you can go to Direct Bank and go to the offline offline and pay your credit card bill.
Credit Card Limit
The limit of Credit Card is available according to your salary, your income, according to your income source, you use the regular use of off credit cards on the time to time bill of credit card, then you are increased the limit.
Whenever you want to take a credit card, first you go to Google and compare the credit card. Because today many banks that keep bringing new offices to woo customers, then you compare there, then you can get a credit card with a best offer.
As you saw that there are many benefits of credit card, then there are many disadvantages as two aspects of a coin are always there. If you use it from smart, pay its bill on time, then there are many benefits as mentioned above.
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