kredit card

kredit card
ek kredit card ke saamane ka paath:
  1. jaareekarta bank logo
  2. E.M.vi chip
  3. holograam
  4. kredit card sankhya
  5. card brand logo
  6. samaapan tithi
  7. kaardadhaarak naam
ke kredit card ke [peechhe ka paath:
  1. chumbakeeya patti
  2. hastaakshar patti
  3. card suraksha code

kredit card ya udhaar card ek chhota plastic card hai, jo ek vishishth bhugataan pranaali ke upayogakartaaon ko jaari kiye jaate hai. is card ke dvaara dhaarak is vaade ke saath vastuen aur sevaayein khareed sakte hain ki, baad me vo in vastuon aur sevaaon ka bhugataan karega.[1] card ka jaareekarta, card ke dvaara upabhokta ko udhaar ki seema deta hai jiske antargat ek upayogakarta khareedi hui vastuon ke bhugataan ke liye paise praapt kar sakta hai aur nakad bhi nikaal sakta hai.

anukram

processing

kredit card aaj ke daur mein kredit card dainik aavashyakta ban gaya hai. khareedaari se lekar kai jaroori kaaryo mein log kredit card ka prayog karte hain, lekin ek taraf jahaan yeh suvidha kai arthon mein logon ke liye laabhaprad hai, to iske kai nuksaan bhi dekhne mein aa rahe hain. kredit card ka galat tareeke se prayog jaise maamale aae din samaachaaron mein hote hain. jab card se bhugataan karte hain, to usaka abhilekh kaheen na kaheen to ekatrit hota hi hai. yeh ideepi processing dvaara hota hai:-

ideesi processing

jab graahak kisi utpaad ya suvidha ke liye card dvaara bhugataan karta hai, to card ki jaankaari mainual pravishti, card inprintar, pvaanit of sel terminal, varchual terminal mein record ho jaati hai. uske baad bhugataan ka satyaapan kiya jaata hai, fir vikreta/dukaanadaar ko bhugataan praapt hota hai. kaardadhaarak khareedaari ke liye bhugataan karta hai, fir vyaapaari adhigraahak ko traanjekshan jama (sabmit) karta hai. iske baad graahak ke satyaapit karne ke baad hi len-den (traanjekshan) ho jaata hai. iske baad baari aati haibaiching ki. traanjekshan ke adhikrut hone ke baad yeh batch ke roop mein store ho jaata hai. adhigraahak card association ke dvaara jatthe (batch) ke roop mein traanjekshan bhejata hai. ek baar adhigraahak ko jab yeh paisa mil jaata hai, tab dukaanadaar ko paisa praapt hota hai. aajkal kai kredit card companiyon ne mobile phone ke jariye bhi kredit card ka kaam chalaane ka praavadhaan kiya hai. unke anusaar ye lenaden poori tarah surakshit hai aur iske liye ek pin sankhya ki aavashyakta hoti hai.[2]

vibhinn card

kisaan kredit card yojana

kisaan kredit card yojana ka uddeshya banking vyavastha se kisaanon ko samuchit aur yathaasamaya saral evam aasaan tareeke se aarthik sahaayata dilaana hai taaki kheti evam jaroori upakaranon ki khareed ke liye unke vitteeya aavashyakataaon ki poorti ho sake.[3]

card ka beema

ab kai bankon ne apne kredit card dhaarakon ke liye card beema ki yojanaaen bhi shuru ki hain. tata eaaiji ne standard chaartard aur kotak mahindra bank ke card dhaarakon ke liye yeh suvidha shuroo ki hai. har baar card khone ya card ke galat prayog hone par 50 hajaar rupae tak ka beema mil sakega. lekin saal bhar mein kul ek lakh rupae tak ki rakam ki bharpaai hogi. is yojana ke anusaar jab bank ko card khone ki jaankaari dete hain uske 12 ghante pehle aur baad ke card par kiye gaye saare galat prayog ka bhugataan company karti hai.[4]

beema

svaasthya beema, jeevan beema, ghar aur doosari mahatvapoorn sampattiyon ke beema aadi to logon ki suraksha sambandhi jaagrukta ka parichay dete hi hain. inke saath saath hi logon mein ab jaankaar kredit card ka beema karaane ki salaah bhi dene lage hain. kredit card ke badhte upayog aur usase jude tamaam dhokha-dhadi ke maamalon ke kaaran kisi anhoni se bachane hetu kredit card ka beema karaana dhaarak ke liye atyant sahaayak siddh ho sakta hai.[5] kredit card ka beema karaane par yadi dhaarak ke saath koi durghatana ho jaati hai to beema company kredit card ke bakaae ka bhugataan kredit shield suvidhaaon ke dvaara jariye karti hai. is suvidha ke tahat graahakon ko bankon dvaara kai suvidhaaen di jaati hain. yeh upabhokta par nirbhar karta hai ki vah sab suvidhaaen lena chaahate hain ya fir unamein se kuchh chuni hui suvidhaaon ka laabh uthaana chaahate hain. isi aadhaar par unki premium raashi nirbhar karti hai. udaaharan ke liye kuchh suvidhaaon ke tahat keval kredit card par bakaaya bill ka bhugataan kiya jaata hai, kuchh yojanaaon ke tahat adhiktam raashi mein se bakaaya ghataakar shesh raashi ko naamit vyakti ko de diya jaata hai.

kredit card suvidhaaen pradaata vibhinn bank hi card ke beeme ki suvidhaaen pradaan kar rahe hain. is vaikalpik suraksha ko kredit shield ka naam diya gaya hai. kredit shield ke tahat bakaaya bhugataan suraksha ki seema sabhi bankon mein alag hai. ye suvidha har kredit card holder ko di jaae, ye bhi aavashyak naheen. kuchh bank apne bade ya deerghakaaleen card dhaarakon ko hi yeh suvidha dete hain. kredit card beeme ki suvidha lene vaale dhaarakon ko ek nishchit premium har maah dena hota hai, jo kredit card se hi kat jaata hai. iske alaava kuchh bankon ki yojanaaon mein bakaaya bill ka ek nishchit ansh premium ke roop mein chukaana padta hai. is premium mein processing shulk, seva kar aur shiksha adhibhaar bhi shaamil hota hai.[5]

shabdaavali

kredit card lete samay bahut si baaton ka dhyaan rakhana chaahiye, jo kredit card ko ek achha sevak banaati hain va upayokta ko samasyaaon mein fansane se bachaati hain. iske liye kredit card ki shartein va niyam dhyaan yogya padhne chaahiyein.[6]

shuruaati aur saalaana shulk

kuchh oonche rakam vaale kredit card ko chhodkar kai aajeevan kredit card ni:shulk diye jaate hain. at: aise kredit card hi lena chaahiye jismein koi bhi shuruaati shulk na ho. yeh sunishchit kiya jaana chaahiye ki ye aajeevan ho na ki ek saal ke liye.

bakaaya raashi hastaantaran suvidha

kuchh graahak kredit card ko alpakaal ke liye rin ki suvidha ke taur par lete hain. jab graahak ek kredit card se rin ka bojh naheen sanbhaal paata, to vah apne rin anya card mein hastaantarit kar deta hai. isliye bakaaya raashi ke hastaantaran ki suvidha aavashyak hai.

byaaj dar

yadi kredit card ke bill ka bhugataan samay se naheen kiya jaata to bank bakaaya raashi par byaaj dar lagaati hai. yadi alpakaalik rin ke taur par kredit le rahe hain to byaaj dar ka avashya dhyaan rakhana chaahiye. praay: yeh dar 1.33 se 3.15 pratishat prati maheene ki dar se badalti rahati hai aur yeh vibhinn kredit card par nirbhar karta hai.[7]

rinaavadhi

saamaanyataya bank 21-52 dinon ki rin avadhi pradaan karte hain. yeh kredit card ke prakaar aur lene-dene ki taareekh par nirbhar karta hai. yadi byaaj dar ke bina rin avadhi rahegi to utana hi jyaada dinon tak bina byaaj bhare raashi ka bhugataan karna padega.

rin seema

rin seema kredit card se kharch ki jaane waali yeh adhiktam raashi hoti hai. yeh prayokta ki aay par nirbhar karta hai jo ki bank kredit card dete samay poochhata hai. aisa maana jaata hai ki jitni jyaada rin seema utana hi behtar. lekin jab tak kredit card prayog naheen karte yeh salaah bekaar hai. iske alaava card kho jaane ki sthiti mein uchch-seema ghaatak bhi ho sakti hai.

graahak seva

kuchh varsh poorv bank aur kredit card ke liye graahak seva utani viksit naheen thi. lekin aajkal graahak seva sabse mahatvapoorn hai. isliye behtar rishte vaale bank se kredit card lena jyaada faayademand hoga.

inaami ank aur nakadi vaapasi

sabhi bank graahakon ko inaami ank (kredit paaint) ya nakad vaapasi (cash back) dekar aakarshit karne ka prayaas karte hain. isliye jo graahak niyamit taur par kredit card prayog karte hain unhein is yojana mein shaamil hona chaahiye.

khareedaari ki suvidha

ek achha kredit vaheen hai jise desh ke saath-saath videshon mein bhi dukaanadaaron dvaara sveekaarya ho. adhikaansh aautalet se sambandhit, chhoot ki suvidha aur khareedaari ki suvidhaaon se yukt kredit card behad faayademand rahata hai. ismein petrol pamp par sarachaarj se mukti aur bill ke bhugataan ki aasaana suvidhaaen bhi shaamil honi chaahiye.

dhyaan yogya

kredit card ke prayog ke saath saath hi kuchh baaton ka dhyaan rakhana bhi aavashyak hota hai:

bhugataan itihaas: kredit card seema tay karne mein upayokta ka kredit card itihaas mahattvapoorn hota hai. kredit card ka bhugataan der se karna ya ovaradraaft hona liye khatre ki ghanti ho sakta hai. yadi bank ye mahasoos karta hai ki upayokta uske liye aise graahak hain jinka kredit record behtar naheen hai to vah kredit card seema ko kam bhi kar sakta hai.

rin: praay: log bina paryaapt kaaran hi rin loan le lete hain. ye unki kredit card itihaas par bada fark daalata hai. bahut adhik rin lena ek behtar tareeka naheen kaha ja sakta. vitteeya yojanaakaaron ke anusaar yadi kisi vyakti ka 60 pratishat vetan rin chukaane mein vyaya ho jaata hai, to iska arth ye hai ki vah khatre ki seema mein hai. yadi unhonne itna jyaada rin le rakha hai jise ve sahajata se chuka naheen sakte to bank ye maan sakta hai ki unako bahut jyaada kredit limit dena jokhimpoorn hoga.

kredit itihaas : upayokta ke liye maatr ye hi aavashyak naheen hai ki ve kredit card ka bhugataan samay se karte hain. usaka prayog behtar tareeke se karte hain balki yeh bhi behad aavashyak hai ki anya bank jinse unka kisi tarah ka vyaavahaarik sambandh ho. kredit ank ke maamale mein ek rin doosare ko prabhaavit karta hai. kai bank graahakon ko portfolio review report ka tool pradaan karte hain. yeh unhein ye pahachaanane mein madad karta hai ki kaun difaaltar hai. aise mein yadi upayokta kredit card ke rin ka bhugataan to samay se karte hain, lekin car loan ka bhugataan samayaanusaar naheen karte hain to yeh unke liye nakaaraatmak siddh ho sakta hai. loan ko niyamit roop se chukaane ke baavajood udhaar lene par bhi niyantran rakhana hoga.

kredit report jaanch

upayokta ko chaahiye ki ve apni kredit report ko jaanchate rahe. shesh raashi ko jama kar dene ka arth ye hai ki unka rin band ho gaya. is samay ye bhi poorah tarah se jaanch lena chaahiye ki unka rin khaata aupachaarik roop se band ho gaya. iske saath hi ye bhi dhyaan rakhana chaahiye ki kredit seema kam ho sakti hai, yadi:

  • kredit card ke bill ko samay se naheen chukaate hain.
  • seema se jyaada udhaar lete hain.
  • di gayi kredit seema ka prayog naheen karte hain.
  • kredit report mein kamiyaan dikh rahi hain, jo kredit ank kam karti hai.

sandarbh

  1. sulivaan, arthar; steven M shefrin (2003). economics: principle in action. upper saidal rivr, new jersey 07458: piyrsan prentis hall. pp. 261. aai॰aऍsa॰abee॰aऍna॰ 0-13-063085-3. http://www.pearsonschool.com/index.cfm?locator=PSZ3R9&PMDbSiteId=2781&PMDbSolutionId=6724&PMDbCategoryId=&PMDbProgramId=12881&level=4.
  2. mobile ban jaaega kredit card
  3. kisaan kredit card yojna India davalapameint getave par
  4. [1]. josh 18.23 June, 2008. aavaaj samaachaar.(hindi)
  5. a aa kredit card beema. Hindustan laaiv. 22 April 2010
  6. kya aapne kredit card ki shartein padheen?. josh 18.(hindi)
  7. bina maange kredit card dene par lagega jurmaana . josh 18.(hindi)

baahari kadiyaaain