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Saturday, 13 October 2018

Difference between credit card and debit card in hindi | debit and credit card difference in hindi

Dosto aapko bhi jaroor credit aur debit card me kabhi kabhi confusion hoti hogi. Bahut log dono card ko ek jaise hi samajhte hai ya iska Istemal karna nahi jante hai. Isliye bahut log sirf credit card hi lete hai. Bank hame hamesa naya bank account open karte samay credit card and debit card lene ki option deti hai. But bank se debit card Lena aasan hai lekin credit card lene me bahut samasya hoti hai. isliye dosto aaj ham aapko credit and debit card ke bare me aur dono card ke difference batayenge. To dosto is article ko purana padhte rahiye.


Difference between credit card and debit card in hindi | debit and credit card difference in hindi
Difference between credit card and debit card in hindi | debit and credit card difference in hindi


Debit Card Kya hai-


Dosto jab bhi ham new bank account open karwate hai to hame Jo ATM card milta hai jiska ham Istemal ATM machine se paise nikalne ke liye karte hai wahi debit Card hai. Iska Istemal ham normally ATM machine se paise nikalne me , cash less shopping karne me, online payment karne me karte hai. Isse ham paise tabhi nikal sakte hai ya shopping Kar sakte hai jab hamare bank account me paise ho. Kuchh Bank aapse debit card ki bhi charge Leti hai Jo ki annually directly aapke bank account se rupya cut jata hai.

Debit Card ki services dene Wala bahut sari company hai Jo aapke bank se partnership karke bank ko debit card deti hai aur bad me bank aapko debit card deti hai. Isliye sabhi logo ke debit card par alag-alag company ke name likhe hote hai. Jaise ki-

1. Visa Debit Card
2. Master Debit Card
3. Rupay Debit Card
4. Maestro Debit Card


Credit Card Kya hai-


Credit Card bhi debit Card ki tarah hota hai but dono ko Istemal karne ka tarika alag - alag hota hai. Debit card ko bank se Lena bahut aasan hai lekin credit card ko bank se lene me bahut paresani hoti hai. Credit card ka istemal ham jyadatar shopping karne ya kisi product ko EMI par kharidne me karte hai. Lekin Credit card ki sabse alag bat ye hai ki agar hamre bank account me paise nahi bhi hai aur ham kisi product ko kharidna chahte hai to ham us samay credit card ka istemal Kar sakte hai. Aur bad me hame iske uska bill pay karna hota hai. Credit card ki yahi khas bat hai ki iska Istemal karke ham kisi bhi product ko ham us smay bina payment kiye buy Kar sakte hai. Aur kuchh din bad ham uska payment ya bill jama Kar sakte hai.

Credit Card se ham jaroorat padne par paise bhi nikal sakte hai. Aur ham kabhi bhi kisi product ko EMI par kharidna chahte hai to hame apna credit card ka hi Istemal karna padta hai. Lekin credit card Istemal karne ke bahut condition hote hai. Kabhi- kabhi credit card ke payment agar time period pe jama nahi hota hai to payment ka interest rate badhne lagta hai. Aur isse kabhi kabhi bahut loss bhi face karna padta hai.

Credit Card ke bhi Bahut alag alag company hoti hai Jo ki debit card ki hi tarah credit card ka bhi service provide karti hai. Jaise ki-

1. Visa Credit Card
2. American Express credit card
3. Carbon Credit Card

Credit Card and Debit Card me Kya difference hai-
1. Credit Card and debit card me sabse badi deference yahi hoti hai ki aapka debit card aapke bank account se link hota hai magar credit card aapke bank account se link nahi hota hai ye sabse separate hota.

2. Debit card ka istemal aap tabhi Kar sakte hai jabtak aapke bank account me paise hai. Jaise hi aapka account ka balance zero ho jate hai tab aap debit card ka istemal nahi Kar sakte hai. Magar credit card ka istemal aap kabhi bhi tab tak Kar sakte hai jab tak uska monthly limit Pura na ho jata hai.

3. Debit card se shopping karne ke bad uska payment directly aapke bank account se cut hota hai. Magar credit card ke Istemal karne ke bad uska payment aapko 1 mahine bad pay karna hota hai.


4. Aksar new bank account open hone par bank Sabko debit card deti hai magar credit card nahi deti hai. Bank se debit card lene ka process bahut hi aasan hai magar credit card ke liye apply karne ka bahut lamba process hai. Bank aapko jaldi credit card nahi deti . Credit card lene me liye aapko bahut sare details Deni padti hai like income details, property details, etc. Fir Jake aapko aapka credit card milta hai.

5. Debit card Istemal karne ke liye jyada strict rules nahi hai lekin credit card ko Istemal karne ke liye bahut sare strict rules hote hai. Agar aap credit card ko Istemal karte samay me koi mistake karenge to uska results bahut bura ho sakta hai aur aapko bahut bada loss bhi lag sakta hai.


To dosto ummed hai aapko ye article jaroor pasand aaya hoga. Aagar aapko ye pasand aaya to aap hamre dusre article ko bhi jaroor padhe. Aur aapka koi suggestions hai to hame comment me jaroor batayien. Hamre website par visit karne ke liye aapka dhanyabad.

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