क्रेडिट कार्ड यूज़ करते वक्त भूलकर भी न करें ये गलतियां

ब्याज मुक्त अवधि का सही उपयोग करें बिलिंग साइकिल के अनुसार 45 दिन की ब्याज फ्री अवधि में खर्च करें और समय पर बिल चुकाएं।

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बकाया राशि को कभी न टालें बिल का भुगतान समय पर न करने से ब्याज और लेट फीस बढ़ती है, जो कर्ज का बोझ बढ़ा देती है।

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तय क्रेडिट सीमा से ज्यादा खर्च न करें क्रेडिट लिमिट से ज्यादा खर्च करने से आपकी क्रेडिट रेटिंग पर बुरा असर पड़ सकता है।

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क्रेडिट कार्ड से नकद निकासी से बचें इमरजेंसी में ही कैश निकालें, क्योंकि इसमें भारी शुल्क और ब्याज देना पड़ता है।

[{"selector":"#anim-4a7e206c-2369-462f-baee-7036cd24d8b7","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6c0f9d16-e04f-44c2-b36c-8e7209c78265","keyframes":{"transform":["translate3d(0px, 180.18517%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1612ada2-f817-4089-8659-7bb725f12a54","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-62dd2187-d285-4944-9129-07c25b76a375","keyframes":{"transform":["translate3d(-132.8%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-964c4008-3a0f-4033-b6ed-4441823339d9 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] credit - pinterest

हर महीने स्टेटमेंट ध्यान से पढ़ें बिना स्टेटमेंट देखे पेमेंट करने से छुपे चार्जेस नज़रअंदाज़ हो सकते हैं।

[{"selector":"#anim-812487ec-43b2-4711-9a64-6a63356d6fef","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9088278a-0e9e-4229-902b-ba977a20f603","keyframes":{"transform":["translate3d(0px, 180.18517%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-633a00e8-ea57-4bca-9f78-dd6d6eac41cd","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6869d55f-6954-4d70-97b2-399e3ac592b0","keyframes":{"transform":["translate3d(-132.8%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-326a0754-e048-4ad1-b625-17b292a4ecc4 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] credit - pinterest

रिवॉर्ड प्वाइंट्स का पूरा फायदा उठाएं हर ट्रांजैक्शन पर मिले रिवॉर्ड प्वाइंट्स को रिडीम करना न भूलें, ये फायदेमंद होते हैं।

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कार्ड चोरी या गुम हो तो तुरंत रिपोर्ट करें कार्ड गुम होने पर तुरंत बैंक को सूचित कर ब्लॉक कराएं, वरना फ्रॉड का खतरा बढ़ता है।

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