Aaj kal ke daur me card ka istemal kafi had tak badh gya hai chahe wo cash withdraw ho ya fir online shopping ho.

Aaj ham card ka use bahut zyada karte hain chahe wah debit card ho ya phir credit card ho.

Kya aap sab logon ko in dono
ka difference maloom hai aaj ham janne wlae hai debit card aur credit card ke bare me ki

Yah dono kya hote hain is ke fayede aur nuksan kya hain, credit card kis ko milta hai us ke liye apply kaise karte hain, credit card ka use kaise hota hai in sab topic ko ham cover karne wale hain.


To chalye chalet hain apne manzil ki taraf chaliye shuru karte hain.

Different Between Credit Card And Debit Card 

Sab se pale jante hai ki debit card kya hota hai


What is Debit Card?

Debit card yah ek tarah ka card hota hai jis ko bank se issue kiya jata hai yah aap ke bank account se link hota hai.

Is jo marzi kare kharid sakte hai aur online shopping kar sakte hain aur is ke zariya aap atm machine se paisa bhi nikal sakte hai.

Aap is apne debit card se utna hi paisa kharch kar sakte hai jitna ki aap ne apne bank account me
rakha huwa hai kui ki yah aap ke bank account se juda huwa hota hai.

Also Read
  1. Online Voter ID Card Ka Address Kaise Change Kare
  2. NVSP Portal Par Apna Account Kaise Create Kare

Information About Credit Card in Hindi

What is Credit Card?

Credit card yah bhi debit card ki tarah ek tarah ka card hota hai yah bank ki taraf se issue kiya jata hai is ko waha waha istemal kar sakte hai jis jagah ki debit card ko istemal kar sakte hain.

Jaise ki abhi ham ne bataya hai ki is se online kisi ko bhi payment kar sakte hain, is se kisi cheez ke shopping karne par us jagah us paise ko Credit Card se pay kar sakte hain aur is credit card se cash bhi withdraw kar sakte hai.

Iski ek limit hoti hai aap ki jo limit hai aap us limit tak hi is Credit card se kharch kar sakte hai.

Isko plastic money bhi bol sakte hain ki pahle is se kharch karain phir is ka bhuktan karain.

Limit ke anusar aap is se jitna paisa kharch kiye honge 1 mahine (Month) ke andar us ka bill aap ne jo address bank me diya hoga waha pe yah bhej diya jata hai isme puri details hoti hai aap is bill ko online bhi pay kar sakte hain aur bank me bhi ja kar ke ise aasani se pay kar sakte hain.


Chaliye ab jante hai ki is ke banefits yani ki fayede kya kya hote hai akhir log is ko kahe ka issue karwate hai aur is ko use karte hai.

Apne hisab se har koi insaan behter samajh ke kam karta hai isi tarah apne apne hisab se log kuchh benefit hi samajh kar is credit card ko issue karwate honge.


Iske benefit kya kya hain wah neeche diye gaye hain.


Advantage of credit card
  • Kisi se udhar nahi lena padta hai aap is ke maujood hone par udhar se bach sakte hain isse aap kharch kar dijiye phir paisa hone par isko bhar dijiye.

  • Jab aap kisi online ecommerce website jaise ki (amazon, filipcart, paytm) par jate hai aur waha se kuchh kharidte hai to kharidne par kuchh discount aur cashback bhi mil jata hai.ya phir kisi store par saman kharidne ke bad pay karte hain to waha par bhi milta hai.

  • Ya agar koi hotal ya kisi tarah ka food etc book karte hain book karte hain to waha par bhi discount aur cashback mil jata hai.

  • Yah emergency me bahut kam aata hai man lo aap ke ghar me ya aap ka kisi relative me koi emergency pad gayi aur aap ko paise ki zaroorat hai lekin aap ke pas paisa nahi hai to yaha pe aap us se kharcha kar sakte hain us ke bad me us paise ko jo kharcha kiya hai is ko bhar sakte hain.

  • Isko use karne par kucch reward point bhi milta hai is reward point ka istenal kharidne ye to phir bill ko bharne ke liye kar sakte hain.

  •  Agar aap ke bank account me paisa nahi hai to is se asani ke sath aap pay kar sakte hain.
Yah the kuchh benefit jo ki credit card use karne par milte hai ab jante hain is ke disadvantage ke bare me ki is ke nuksan kya kya hain.


Credit card ke fayde aur nuksan


Disadvantage of Credit Card

    • Pahla bada nuksan yah hai ki agar aap sahi time pe iska paise jo aap ne kharch kiya hai agar us ke bill ko nahi bharte hain to aap se bank intrest charge leta hai aur aap ko us intrest charge ko dena padega.
    • Doosra bada nuksan yah hai ki credit card se atm machine ke zariye cash nahi nikalna chahiye agar aap credit card se cash withdraw karte hain to jis din cash withdrow kiya hai usi din se aap ke upar penalty lagna shuru ho jata hai aur tab tak lagta hai jab tak ki aap us paise ko bhar nahi dete hain.
    • Tisra bada nuksan yah hai ki is se faltu ka kharch bhi zyada hota hai ki credit card ke pas hone par sab sochte hain ki paisa to baad me 1 month - 20 din ke bad hi pay karna hai isi wajah se is se fultu ka kharch zyada hota hai jis ko fuzool kharchi bhi kahte hain.
    • Zyadatar credit card ka annual charge bhi hota jis ko jo card use kar raha hai us ko pay karna hota hai.
    • Chautha bada nuksan agar aap ka card by chance chori ho jata hai to ya kahi gir jata hai aur pane wala us se agar international transaction kar leta hai to aesi surat me aap ke mobile number pe otp bhi nahi aata hai aap ke Credit card ke number aur peechhe jo cvv number hota sirf usi se hi online transaction ho jata hai

    Which Credit Card is Best

    Yah the credit card use karne ke kuchh disadvantage jo ki credit card istemal karne wale par hote hai to kya hame credit
    card istemal karne chahiye ya nahi?

    to zahir si bat hai agar aap us ke guide lines ko follow karte hain us ke rule ko apnete hain.
    yahi ki sahi samay pe aap uska bhukan kar dete hian aur jo jo hai sahi se karte hain to aap ke liye yah best hai.

    Lekin agar aap hamesha iska bill pay karne me deri karte hain ya phir to sahi se iska use nahi karte hain to aap ko is card ko nahi lena chahiye ab aap ki marzi


    ab aap ne jan hi liya Different Between Credit Card And Debit Card | Credit Card Aur Debit Card me kya antar hai yani ki debit card aur credit card ke kya fayde aur kya nuksan hain.

    Also Read:
    1. Top 12 ways to earn money online | Online paisa kamane ke 12 tarike
    2. what is deference between saving account and current account?

    To chaliye ab jante hain ki credit card ke liye apply kaise karte hain aap credit card ko kaise hasil kar sakte hain.


    How to Apply for Credit Card 

    sab se pahle jante hain ki credit card kin kin ko milta hai to chliye jante hai credit card card un logon ko diya jata hai jin
    logon ke pas koi income source hota hai yani ki kahi se un ke pas paisa aata hai agar paisa hi nahi ayega to kaha se us ka jo bill ayega us ko bharenge.

    How to apply for credit card?

    Credit Card apply karte time kya kya Document Chahiye hota hai wah zaroori Dacument ki pori details niche di hui hai.

    Credit Card ko Apply Karne ke liye Hamare paas Hamara id proof hona Chahiye.

    jaise ki ADHAR CARD, PAN CARD, DRIVING LISENCE, VOTER ID, etc jo bhi id proof hota hai is me koi bhi lag sakta hai.

    aur aap ke pas aap ka photo bhi hona chahiye vo aap kisi bhi photo grapher ki shop ke nikalwa sakte hain.

    aap ke pas kam se kam ek bank me account hona chahiye kiu ki jab credit card ke liye apply karenge to us ki puri details honi chahiye jis me ki us ka pura name address aur khata ka pura detail hona chahiye.

    jab aap apply karenge us time aap se aapka income proof aur income tax return manga jata hai is ko bhi bank ko dena padta hai.

    yah sab document hone ki surat me aap credit card ke liye apply kar sakte hain.

    agr offline apply karna chahte hain to back me jakar offline credit card ka form fill karke appply kar sakte hain.

    Aur agar online ghar baithe hi apply karna chahte hain to bank ke official website pe jakar us ki jankari hasil kar sakte hain aur online bhi kar sakte hain.

    Lekin ek bat ka dheyan zaroor rakhen online karne se pahle us ke rule ko zaroor read kar len.

    Website par jaane ke liye Kuchh bank ke link niche diye huye hain.
    Chaliye ab jaante hain ki credit card kitne tarah ka hota hai. Phir us ke baad me jaanenge ki Different Between Credit Card And Debit Card | Credit Card Aur Debit Card me kya antar hai


    Types of Credit Card 

    Credit Card 4 tarah ka hota hai
    1. Low interest credit card
    2. Reward credit card
    3. Secured credit card
    4. Money transfer credit card

    Low interest Credit Card 

    yah ek low intrest credit card hota hai yani ki jab aap credit card se payment karte hain us ka paisa kharch karne ke baad jab us ke bill bharne ki bari aati hai us ki jo due date hoti hai us ke andar aap ko paisa
    bharna hota hai 

    Agar let karte hain to aap ko us ki penalty bharni padti hai ya agar aap us ka minimum amount pay karte hain to bhi aap ko intrest dena pad sakta hai isi liye aap ko hamesha pura payment karna chahiye.

    To agar aap chahte hain ki zyada intrest charge na lage to aap ko low interest credit card lena chahiye yah aap ke liye best hoga.

    Reward Credit Card

    is credit card ke zariye payment karne par kuchh reaward point milte hain aur kabhi offers bhi milte hain aur kabhi kuchh cashback bhi milta hai jin ko aap baad me use kar sakte hain aur us ka bharpoor fayda utha sakte
    hain.


    Secured Credit Card

    Is credit card ko un logo ko apply karna chahiye jin ka credit score badut kharab ho kharab credit score wale logon ke liye yah benefit de sakta hai agar loan lete hain ya new account open karate hain to secured
    credit card se apna credit score behter kar sakte hain.


    Money Transfer Credit Card

    is credit card ka istemal kar sakte hain yah maujooda credit card ke udhar ko kam karne me sahayak hota hai.

    Also Read
    1. Best smartphone of 2020 in cheape price - Infinix hot 8
    2. Make your mobile CCTV Camera | Mobile ko CCTV Camera kaise banaye

    Credit Card Aur Debit Card Me Aantar

    to aap ne credit card aur debit card ke baare me behter tarike se jan liye ki credit card kya hai aur debit card kya hai to phir se jan lijiye debit card wah hai jo ki bank account se link hota hai aap us se utna hi paisa kharch kar sakte hain Jitna ki aap ke bank account me hota hai.

    aur credit card me bank ki taraf se ek limit set kar ke de di jati hai aap us limit tak paisa kharch kar sakte hain wah limit kitna bhi ho sakta hai 50 hazar 1 lakh 2 lakh usi hisab se aap jitna kharch karenge utna bank ko dena padega.


    Conclusion

    To yah credit card aur debit card ki kuchh baaten thi jis ko ham ne jaan liya ki Different Between Credit Card And Debit Card | Credit Card Aur Debit Card me kya antar hai? To mujhe ummid hai ki mere is post ke zariye se kuchh jaan

    agar is article se aap ko kuchh benefit huwa ho to please ise apne doston me share karain jo in sab ke bare me jankari hasil karne me intrest lete hain

    Different Between Credit Card And Debit Card | Credit Card Aur Debit Card me Kya Antar Hai

    Aaj kal ke daur me card ka istemal kafi had tak badh gya hai chahe wo cash withdraw ho ya fir online shopping ho.

    Aaj ham card ka use bahut zyada karte hain chahe wah debit card ho ya phir credit card ho.

    Kya aap sab logon ko in dono
    ka difference maloom hai aaj ham janne wlae hai debit card aur credit card ke bare me ki

    Yah dono kya hote hain is ke fayede aur nuksan kya hain, credit card kis ko milta hai us ke liye apply kaise karte hain, credit card ka use kaise hota hai in sab topic ko ham cover karne wale hain.


    To chalye chalet hain apne manzil ki taraf chaliye shuru karte hain.

    Different Between Credit Card And Debit Card 

    Sab se pale jante hai ki debit card kya hota hai


    What is Debit Card?

    Debit card yah ek tarah ka card hota hai jis ko bank se issue kiya jata hai yah aap ke bank account se link hota hai.

    Is jo marzi kare kharid sakte hai aur online shopping kar sakte hain aur is ke zariya aap atm machine se paisa bhi nikal sakte hai.

    Aap is apne debit card se utna hi paisa kharch kar sakte hai jitna ki aap ne apne bank account me
    rakha huwa hai kui ki yah aap ke bank account se juda huwa hota hai.

    Also Read
    1. Online Voter ID Card Ka Address Kaise Change Kare
    2. NVSP Portal Par Apna Account Kaise Create Kare

    Information About Credit Card in Hindi

    What is Credit Card?

    Credit card yah bhi debit card ki tarah ek tarah ka card hota hai yah bank ki taraf se issue kiya jata hai is ko waha waha istemal kar sakte hai jis jagah ki debit card ko istemal kar sakte hain.

    Jaise ki abhi ham ne bataya hai ki is se online kisi ko bhi payment kar sakte hain, is se kisi cheez ke shopping karne par us jagah us paise ko Credit Card se pay kar sakte hain aur is credit card se cash bhi withdraw kar sakte hai.

    Iski ek limit hoti hai aap ki jo limit hai aap us limit tak hi is Credit card se kharch kar sakte hai.

    Isko plastic money bhi bol sakte hain ki pahle is se kharch karain phir is ka bhuktan karain.

    Limit ke anusar aap is se jitna paisa kharch kiye honge 1 mahine (Month) ke andar us ka bill aap ne jo address bank me diya hoga waha pe yah bhej diya jata hai isme puri details hoti hai aap is bill ko online bhi pay kar sakte hain aur bank me bhi ja kar ke ise aasani se pay kar sakte hain.


    Chaliye ab jante hai ki is ke banefits yani ki fayede kya kya hote hai akhir log is ko kahe ka issue karwate hai aur is ko use karte hai.

    Apne hisab se har koi insaan behter samajh ke kam karta hai isi tarah apne apne hisab se log kuchh benefit hi samajh kar is credit card ko issue karwate honge.


    Iske benefit kya kya hain wah neeche diye gaye hain.


    Advantage of credit card
    • Kisi se udhar nahi lena padta hai aap is ke maujood hone par udhar se bach sakte hain isse aap kharch kar dijiye phir paisa hone par isko bhar dijiye.

    • Jab aap kisi online ecommerce website jaise ki (amazon, filipcart, paytm) par jate hai aur waha se kuchh kharidte hai to kharidne par kuchh discount aur cashback bhi mil jata hai.ya phir kisi store par saman kharidne ke bad pay karte hain to waha par bhi milta hai.

    • Ya agar koi hotal ya kisi tarah ka food etc book karte hain book karte hain to waha par bhi discount aur cashback mil jata hai.

    • Yah emergency me bahut kam aata hai man lo aap ke ghar me ya aap ka kisi relative me koi emergency pad gayi aur aap ko paise ki zaroorat hai lekin aap ke pas paisa nahi hai to yaha pe aap us se kharcha kar sakte hain us ke bad me us paise ko jo kharcha kiya hai is ko bhar sakte hain.

    • Isko use karne par kucch reward point bhi milta hai is reward point ka istenal kharidne ye to phir bill ko bharne ke liye kar sakte hain.

    •  Agar aap ke bank account me paisa nahi hai to is se asani ke sath aap pay kar sakte hain.
    Yah the kuchh benefit jo ki credit card use karne par milte hai ab jante hain is ke disadvantage ke bare me ki is ke nuksan kya kya hain.


    Credit card ke fayde aur nuksan


    Disadvantage of Credit Card

      • Pahla bada nuksan yah hai ki agar aap sahi time pe iska paise jo aap ne kharch kiya hai agar us ke bill ko nahi bharte hain to aap se bank intrest charge leta hai aur aap ko us intrest charge ko dena padega.
      • Doosra bada nuksan yah hai ki credit card se atm machine ke zariye cash nahi nikalna chahiye agar aap credit card se cash withdraw karte hain to jis din cash withdrow kiya hai usi din se aap ke upar penalty lagna shuru ho jata hai aur tab tak lagta hai jab tak ki aap us paise ko bhar nahi dete hain.
      • Tisra bada nuksan yah hai ki is se faltu ka kharch bhi zyada hota hai ki credit card ke pas hone par sab sochte hain ki paisa to baad me 1 month - 20 din ke bad hi pay karna hai isi wajah se is se fultu ka kharch zyada hota hai jis ko fuzool kharchi bhi kahte hain.
      • Zyadatar credit card ka annual charge bhi hota jis ko jo card use kar raha hai us ko pay karna hota hai.
      • Chautha bada nuksan agar aap ka card by chance chori ho jata hai to ya kahi gir jata hai aur pane wala us se agar international transaction kar leta hai to aesi surat me aap ke mobile number pe otp bhi nahi aata hai aap ke Credit card ke number aur peechhe jo cvv number hota sirf usi se hi online transaction ho jata hai

      Which Credit Card is Best

      Yah the credit card use karne ke kuchh disadvantage jo ki credit card istemal karne wale par hote hai to kya hame credit
      card istemal karne chahiye ya nahi?

      to zahir si bat hai agar aap us ke guide lines ko follow karte hain us ke rule ko apnete hain.
      yahi ki sahi samay pe aap uska bhukan kar dete hian aur jo jo hai sahi se karte hain to aap ke liye yah best hai.

      Lekin agar aap hamesha iska bill pay karne me deri karte hain ya phir to sahi se iska use nahi karte hain to aap ko is card ko nahi lena chahiye ab aap ki marzi


      ab aap ne jan hi liya Different Between Credit Card And Debit Card | Credit Card Aur Debit Card me kya antar hai yani ki debit card aur credit card ke kya fayde aur kya nuksan hain.

      Also Read:
      1. Top 12 ways to earn money online | Online paisa kamane ke 12 tarike
      2. what is deference between saving account and current account?

      To chaliye ab jante hain ki credit card ke liye apply kaise karte hain aap credit card ko kaise hasil kar sakte hain.


      How to Apply for Credit Card 

      sab se pahle jante hain ki credit card kin kin ko milta hai to chliye jante hai credit card card un logon ko diya jata hai jin
      logon ke pas koi income source hota hai yani ki kahi se un ke pas paisa aata hai agar paisa hi nahi ayega to kaha se us ka jo bill ayega us ko bharenge.

      How to apply for credit card?

      Credit Card apply karte time kya kya Document Chahiye hota hai wah zaroori Dacument ki pori details niche di hui hai.

      Credit Card ko Apply Karne ke liye Hamare paas Hamara id proof hona Chahiye.

      jaise ki ADHAR CARD, PAN CARD, DRIVING LISENCE, VOTER ID, etc jo bhi id proof hota hai is me koi bhi lag sakta hai.

      aur aap ke pas aap ka photo bhi hona chahiye vo aap kisi bhi photo grapher ki shop ke nikalwa sakte hain.

      aap ke pas kam se kam ek bank me account hona chahiye kiu ki jab credit card ke liye apply karenge to us ki puri details honi chahiye jis me ki us ka pura name address aur khata ka pura detail hona chahiye.

      jab aap apply karenge us time aap se aapka income proof aur income tax return manga jata hai is ko bhi bank ko dena padta hai.

      yah sab document hone ki surat me aap credit card ke liye apply kar sakte hain.

      agr offline apply karna chahte hain to back me jakar offline credit card ka form fill karke appply kar sakte hain.

      Aur agar online ghar baithe hi apply karna chahte hain to bank ke official website pe jakar us ki jankari hasil kar sakte hain aur online bhi kar sakte hain.

      Lekin ek bat ka dheyan zaroor rakhen online karne se pahle us ke rule ko zaroor read kar len.

      Website par jaane ke liye Kuchh bank ke link niche diye huye hain.
      Chaliye ab jaante hain ki credit card kitne tarah ka hota hai. Phir us ke baad me jaanenge ki Different Between Credit Card And Debit Card | Credit Card Aur Debit Card me kya antar hai


      Types of Credit Card 

      Credit Card 4 tarah ka hota hai
      1. Low interest credit card
      2. Reward credit card
      3. Secured credit card
      4. Money transfer credit card

      Low interest Credit Card 

      yah ek low intrest credit card hota hai yani ki jab aap credit card se payment karte hain us ka paisa kharch karne ke baad jab us ke bill bharne ki bari aati hai us ki jo due date hoti hai us ke andar aap ko paisa
      bharna hota hai 

      Agar let karte hain to aap ko us ki penalty bharni padti hai ya agar aap us ka minimum amount pay karte hain to bhi aap ko intrest dena pad sakta hai isi liye aap ko hamesha pura payment karna chahiye.

      To agar aap chahte hain ki zyada intrest charge na lage to aap ko low interest credit card lena chahiye yah aap ke liye best hoga.

      Reward Credit Card

      is credit card ke zariye payment karne par kuchh reaward point milte hain aur kabhi offers bhi milte hain aur kabhi kuchh cashback bhi milta hai jin ko aap baad me use kar sakte hain aur us ka bharpoor fayda utha sakte
      hain.


      Secured Credit Card

      Is credit card ko un logo ko apply karna chahiye jin ka credit score badut kharab ho kharab credit score wale logon ke liye yah benefit de sakta hai agar loan lete hain ya new account open karate hain to secured
      credit card se apna credit score behter kar sakte hain.


      Money Transfer Credit Card

      is credit card ka istemal kar sakte hain yah maujooda credit card ke udhar ko kam karne me sahayak hota hai.

      Also Read
      1. Best smartphone of 2020 in cheape price - Infinix hot 8
      2. Make your mobile CCTV Camera | Mobile ko CCTV Camera kaise banaye

      Credit Card Aur Debit Card Me Aantar

      to aap ne credit card aur debit card ke baare me behter tarike se jan liye ki credit card kya hai aur debit card kya hai to phir se jan lijiye debit card wah hai jo ki bank account se link hota hai aap us se utna hi paisa kharch kar sakte hain Jitna ki aap ke bank account me hota hai.

      aur credit card me bank ki taraf se ek limit set kar ke de di jati hai aap us limit tak paisa kharch kar sakte hain wah limit kitna bhi ho sakta hai 50 hazar 1 lakh 2 lakh usi hisab se aap jitna kharch karenge utna bank ko dena padega.


      Conclusion

      To yah credit card aur debit card ki kuchh baaten thi jis ko ham ne jaan liya ki Different Between Credit Card And Debit Card | Credit Card Aur Debit Card me kya antar hai? To mujhe ummid hai ki mere is post ke zariye se kuchh jaan

      agar is article se aap ko kuchh benefit huwa ho to please ise apne doston me share karain jo in sab ke bare me jankari hasil karne me intrest lete hain

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