Credit card aaj har batue me mil jata hai. Kuch log ise muft ke paison jaisa samajhte hain to kuch ise chhoone se darte hain. Sach ye hai ki credit card na achcha hai na bura, ye sirf ek vittiya auzaar hai. Sahi istemal par ye aapko fayde de sakta hai aur galat istemal par karz ke jaal me phansa sakta hai. Aaiye iske dono pehlu samajhte hain.
Credit card ke fayde
Sahi tareeke se istemal karne par credit card ke kai fayde hain. Aapko khareed par reward points ya cashback milta hai, online khareed par atirikt suraksha milti hai aur aapaat sthiti me turant rakam uplabdh hoti hai. Niyamit aur samay par bhugtan karne se aapka credit score behtar hota hai, jo bhavishya me home loan ya car loan lene me kaam aata hai aur behtar byaaj dar dilane me madad karta hai.
Chhupe khatre aur nuksaan
Credit card ka sabse bada khatra hai aasaan udhaar ka lalach. Log aksar apni aukaat se zyada kharch kar baithte hain kyunki jeb se paisa nahi nikalta. Agar poore bill ka bhugtan samay par na ho to bachi hui rakam par bahut zyada byaaj lagta hai, jo mahine dar mahine badhta jata hai. Sirf nyuntam dey rakam chukana sabse badi galti hai, isse mool karz kam nahi hota aur byaaj ka bojh badhta rehta hai. Der se bhugtan par jurmana bhi lagta hai aur credit score kharab hota hai.
Sahi istemal ke sunhare niyam
Pehla niyam hai ki credit card se utna hi kharch karein jitna aap us mahine chuka sakte hain. Dusra, har mahine poore bill ka bhugtan niyat tithi se pehle kar dein, kabhi sirf nyuntam rakam na chukayein. Teesra, card ki seema ka 30 pratishat se zyada istemal na karein, isse credit score achcha rehta hai. Chautha, nagad nikasi se bachein kyunki is par turant byaaj lagna shuru ho jata hai. Paanchvaan, apne card ke vivaran, OTP aur CVV kisi ke saath saanjha na karein.
Credit score kyun maayne rakhta hai
Credit score 300 se 900 ke beech ka ek ank hota hai jo aapke udhaar lene aur chukane ke itihaas ko darshata hai. 750 se upar ka score achcha mana jata hai. Ye score tay karta hai ki bank aapko karz dega ya nahi aur kis byaaj dar par dega. Samay par bill chukana, kam udhaar lena aur purane card khate band na karna score behtar banaye rakhne me madad karta hai. Saal me ek baar apni credit report muft me jaanch lena achchi aadat hai taaki koi galti ho to samay par sudhari ja sake.
