Credit Card use karneka sahi tarika

Aaj kal naukri lagne ke baad Credit card waale free me aapko credit cards offer karte hai. Sir koi yearly fees nahi hai, bilkul free hai. Acchi baat hai credit card se hame fayde hote hai. Paise jab na ho to ek support dete hai ki 40 din baad bhar sakte hai. Par doston iske saath hi ek responsibility bhi aa jaati hai.

Paise bharne me der ho jaaye to late payment aur interest bhi lag sakta hai jo ki bahut zyaada hota hai. Aap credit card milte hi carried away mat ho jaaiye kyuki isse aapki aadat kharaab ho sakti hai jo long run me yaani aage chalke aapko kaafi taklif de sakti hai.

Aaiye aaj aapko kuch tareeke bataata hu credit card zimmedari se istamaal karne ke.

1. Apne kharch ka hisaab rakhiye
Agar aisa nahi karoge to ho sakta hai ki itne samaan kharid lo ki uske paise chukaane ke liye paise hi na rahe. Wo kahawat to suni hogi na ki pair utne hi phailaaiye jitni chaadar ho.

2. Hamesha bill time par pay kijiye
Credit card ka ek due date hota hai bharne ka. Due date se 1-2 din pehle hi bhar dijiye warna ho sakta hai ki aap bhool jaye aur aapko late payment fees aur interest lag jaye. 1 baar to shaayad credit card company maaf karde aur late payment na maare par agli baar to maregi hi.


3. Credit limit apne bharne ke hisaab ko dekhte hue rakhiye
Agar aapne credit card ki limit zyaada rakhdi to aapko zyaada kharch karne ka temptation yaani utsukta ho sakti hai. Isliye ise kam hi rakhiye taaki aap zarurat se zyaada shopping na kare.

4. Credit card ko in kaamo ke liye na use kare
Credit card ka istamaal aap chote mote shopping ke liye hi kijiye. Aur jo bahut important kaam hote hai usme na use kare to behtar hoga jaise rent pay karna ho ghar ka to, loan chukana ho to etc.

5. Credit card ke statement check zarur karen
Bhai ho sakta hai ki aapko aise charges maar diye ho jo galat ho. To check kiye bina bill mat pay karna. Aur agar aisa koi transaction lage ki aapne wo nahi kia ho to turant dispute raise kariye apni credit card wali bank ke saath. Online fraud ke chances possible hai isliye apne credit cards ke statements aur mobile par jo alerts aate hai unpar bhi dhyaan rakhe. Kyuki har transaction ka sms to aata hi hai. Isse koi galat transaction aap jaldi samaj sakte ho.

6. Credit card se paise withdraw mat kijiye
Credit card me withdrawal ki facility hoti hai. Ye ek loan jaisa hota hai jisse aap atm se withdraw kar sakte ho. Lekin doston iska interest itna hota hai jisse dekhkar aapke hosh ud jaye. Ye mahine ka 3 se 4 percent tak minimum hota hai. jo ki bahut hi zyaada hai personal loan se. Personal loan me mahine ka 1 percent interest hota hai.

To mitro ye baatein zarur dhyaan me rakhiye credit card ka use karte samay.

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