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Debit Card Aur Credit Card Kya Hai?

Debit Card Aur Credit Card Kya Hai?

Dosto Aaj Hum Debit Card Aur Credit Card Ke Bare Mein Bat Karenge. Ki aakhir ye card kya hai aur inka use kya hai. Dosto Jab se hamre desh me demonetization hua hai, Tabse digital payment pe jyada jor diya jar aha hai. Aur government bhi kah rahi hai ki Cash ki jagah hum digital payments jyada kare aur Cash ka istemal kam kare.

To dosto hame digital payments karne ke liye hamare pas Debit Card ya Credit Card ya Internet Banking hona chahiye. Aur aaj ke digital dunia me hum sabhi ke pas ATM Card jarur hona chahiye. Hum apne cards se Online payments, Fund transfer, Shopping, Loans Ki EMI bharne me kar sakte hai.

Debit Card Aur Credit Card Kya Hai

Debit card ya Credit card hame bank se issue hote hai. Ise hum Plastic Money Ya Digital Money Ke bhi naam se jante hai. Dosto aaj digital payments karne ke liye bahut sare E-wallets bhi hai jaise UPI, Paytm, Mobikwik. Par inse bhi payments karne ke liye hamare pas Koi Card hona chahiye. Jisse payments karne ke liye apne cards ko en wallets ke sath jodna hota hai.

Debit Card ya Credit Card Kai tarah ke hote hai jo alag alag company issue karti hai jaise VISA, Master Card, American Express jinka bank ke sath tie up hota hai. Aur sabhi alag alag facilities provide karte hai. Ab to apne desh me bhi apna swadesi card Rupay Card banta hai. Aap apni jarurat ke hisab se apne bank se koi bhi card le sakte hai.  Alag alag cards ke alag alag limits hote hai. Jaise aap ek bar me kitna paisa nikal sakte hai. Kitna online payments kar sakte hai. International payments kar sakte hai ya nahi. To Dosto aap apne bank se apne jarurat ke hisab se koi bhi card mang sakte hai.

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Dosto lekin ye credit aur debit card kya hai aur inme antar kya hai. Humme se kai logo ko confusion hai in dono Cards ke beech. To chaliye Main aaj aapko batata hun in dono cards ke bare me.

Debit Card Kya hai

Debit card ko hum prepaid card kah sakte hai. Matlab aap isse utne hi paise nikal ya kharch kar sakte hai jitna aapke Bank Account me balance hoga. Aur Debit card adhikatar logo ke pas hota hai, kyunki aaj kal bank account kholne par bank ise khud issue kar dete hai. Iske liye hume apply karne ke jarurat nahi hoti hai. Aur agar aapke bank ne abhi issue nahi kiya hai to aap ek form bhar ke ise issue karwa sakte hai.

Debit card se hum online payments, ATM se paise aur Store Se POS ke jariye shopping kar sakte hai. Aapko cash lekar ghumne ki jarurat nahi hai aap kisi bhi Bank ke ATM se apne Debit Card ke jariye paise nikal sakte hai. Par har card ki kuchh limits hoti hai ki aap ek din me kitna paisa nikal sakte hai.

Jaise jo normal card issue hote hai jaise Classic Card use Aap ek din me lagbhag 30000 rupees nikal sakte hai aur 50000 rupees tak ki online payments ya shopping kar sakte hai. Lekin dosto Debit card se aap utna hi paisa istemal kar sakte hai jitna paisa aapke account me hai.

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Credit Card Kya Hai

Credit Card ko hum postpaid card kah sakte hai. Matlab isse aap apne Bank Account me paise na hone par bhi ek limits tak jitna aapke bank ne aapke card ki limits set ki hai, utna paisa nikal ya kharch kar sakte hai. Yani ki ye ek loan ke jaise hota hai. Jisse aap apne credit card se tay limits tak paise apne bank se udhar le sakte hai. Aur Mahine ke aakhir me use chukana hota hai. Agar aapne nishchit din tak paise nahi chukaye to aapko us paise par interest dena hota hai jo bahut hi jyada hota hai aur sath hi late fee aur service tax bhi.

Dosto Credit Card Debit Card ki jaise bank khud issue nahi karte. Ise lene ke liye aapko apne bank me apply karna hota hai. Aur bank aapki salary ya kamai ke hisab se aapko card issue karti hai. Matlab jo aapke kamai ke hisab se hi aapke Credit Card ki cash limits tay karti hai. Jo aap apne Card se utna paisa hi ek mahine me kharch kar sakte hai.

Kai logo ko lagta hai ki Hum Credit Card se ATM se paise nahi nikal sakte Ye kewal Shopping ke liye hai. Par nahi ye sach nahi hai. Aap apne Credit Card se Paise bhi nikal sakte hai. Par isse paise nikalne ka charge kuchh jyada hai. Credit Card se aap koi saman kisto(EMI) me kharid sakte hai. Jo aap debit card se nahi kar sakte. Dosto kai online sites pe payments bhi kewal Credit Card se hi hota hai jise aap Debit Card se nahi kar sakte.

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Debit Card Aur Credit Card Mein Antar

  1. Dosto Debit Card Aur Credit Card Me Sabse Pahla aur bada antar yahi hai ki Debit Card Prepaid Card hai, Aur Credit Card Postpaid Card. Yani aap debit card se utna hi paisa kharch kar sakte hai jitna aapke Bank Account me hai. Aur Credit Card se aap utna paisa kharch kar sakte hai jitna aapke bank ne aapke card ki limits set ki hai, Chahe aapke Account me paisa ho ya na ho.
  2. Debit Card ko apply karne ke liye aapko apne bank ko apni salary ya kamai ki details nahi deni hoti hai. Jabki Credit Card ke liye aapko apne bank ko apne kamai ki details deni hogi.
  3. Credit Card se aap koi bhi saman EMI par kharid sakte hai. Par Debit card se aap aisa nahi kar sakte.
  4. Credit Cards Ki Limits hoti hai ki ek mahine me aap us limits tak paise nikal sakte hai. Par Debit card me limits nahi hoti aap apne accounts me available balance tak paise nikal sakte hai.

Dosto ab aap samjh hi chuke honge ki debit card aur credit card me kya antar hai.

Ye Post Debit Card Aur Credit Card Kya Hai Kaisi lagi ….

About the author

Amit kumar

Hello, I am Amit .i am hindi blogger.Myhelpblog.com website pe aap wordpress blog ,computer,online business,internet,inspirational story ki knowledge apko milegi.

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