Credit Card के कर्ज के जाल से कैसे निकलें बाहर

Aishwarya Awasthi May 19,2024

क्रेडिट कार्ड का इस्तेमाल देश के लगभग हिस्से में होता है.

[{"selector":"#anim-ed526092-641b-43de-991e-ebfc122c6796","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4cfd3a16-dc99-4be8-a013-6131bcdf94e6","keyframes":{"transform":["translate3d(0px, 237.07603%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ea0210ac-681e-4692-beb7-88ee0296259b [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-3.552713678800501e-15%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

लेकिन अक्सर लोग क्रेडिट कार्ड का सही से यूज करना नहीं जानते हैं.

[{"selector":"#anim-650bc1c3-1a90-499d-844e-f93652fdddaf [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-3.552713678800501e-15%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-de487fab-0748-42ec-9092-7d4b517feb66","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-fff80475-fd83-4f99-9ebe-5dbc2c7a47c0","keyframes":{"transform":["translate3d(0px, 159.46363%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

क्रेडिट कार्ड पर मिलने वाली सुविधाओं और मिलने वाले ऑफर-रिवॉर्ड प्वाइंट्स की बदौलत लोग इसे खूब इस्तेमाल करते हैं.

[{"selector":"#anim-20be7d30-b523-48ae-89ed-75096c1590db [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"}] [{"selector":"#anim-f68d3ca8-5b02-4b69-bdaf-953f005b0526","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b56b67f4-e80a-48e7-b963-83853d0f1f22","keyframes":{"transform":["translate3d(0px, 148.66797%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

यही कारण कि लोग कई बार कर्ज के दलदल में फंस जाते हैं.

[{"selector":"#anim-95e9f02c-b6c2-49df-8cb5-4150c8eb1161 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-3.552713678800501e-15%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-1e25e2ac-07bd-45d4-b2c1-5e6d4ecb271f","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-db7a64e1-dfd3-406e-b4a6-f889f1f95cdf","keyframes":{"transform":["translate3d(0px, 267.60230%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

कभी-कभी क्रेडिट कार्ड का बिल नहीं चुकाने पर बकाया बिल पर 30-42 फीसदी तक का ब्याज चुकाना पड़ता है.

[{"selector":"#anim-82da2b9a-c214-4159-a88f-e9e9cb92ec2b [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-15.432596709220846%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-bc29abf7-1b28-491a-bd0c-b10dc715991e","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-866e1785-8279-403d-8609-28e8a23e4f42","keyframes":{"transform":["translate3d(0px, 134.50912%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

क्रेडिट कार्ड की वजह से कर्ज हो गया है, तो सबसे पहले क्रेडिट कार्ड के यूज को सीमित कर दें.

[{"selector":"#anim-dcd6ac61-6e50-4f45-976c-f080c01707c5 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-3.552713678800501e-15%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-698a6b32-d942-4e19-bdeb-4cc4fd133b3d","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9bf66ba0-f801-4758-8846-486d4f74498e","keyframes":{"transform":["translate3d(0px, 182.89367%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

इसके साथ ही बकाया कर्ज इसका तुरंत चुकाएं, भले ही लोन लेना पड़े.

[{"selector":"#anim-828334af-a58a-42da-9b62-64ca03515024 [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"}] [{"selector":"#anim-0b51c859-8182-42ac-b69a-0053719bf8b3","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-98f4d69f-9ca0-46ac-b5d6-d62ea1ca8053","keyframes":{"transform":["translate3d(0px, 182.89367%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

पर्सनल लोन की दर क्रेडिट कार्ड बकाया पर लगने वाली दर से काफी कम होती है.

[{"selector":"#anim-b530c57d-7ea8-4a70-a78a-e3e9cbf08d81 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-3.552713678800501e-15%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-01e98bef-d346-48bb-9da9-b6de1db2b55a","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-dde583d6-de4b-46fa-bdc9-9685732123b0","keyframes":{"transform":["translate3d(0px, 182.89367%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

यही कारण है कि लोन लेकर बकाया चुकाना फायदेमंद है, साथ ही आप डिफॉल्ट करने से बच जाएंगे.

[{"selector":"#anim-67095cda-aa2a-4699-b83c-22c30b12f788 [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"}] [{"selector":"#anim-cc738e0f-8d2a-4b29-a7d4-1c51fdadfe55","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8e1494ee-9af8-479a-bebd-fd36465ce03a","keyframes":{"transform":["translate3d(0px, 134.50912%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

अगर गलती से भी डिफॉल्ट हो जाता है तो इससे आपका सिबिल खराब होगा.

[{"selector":"#anim-7585294e-1edb-4f6a-a891-83816317a71e [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"}] [{"selector":"#anim-5e7ce90e-49fd-43b1-857f-4dfb4c095263","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5d25c3e1-3c67-44d2-b979-3258a824e227","keyframes":{"transform":["translate3d(0px, 182.89367%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

बता दें कि सिबिल खराब होने से भविष्य में लोन मिलने में दिक्कत आएगी.

[{"selector":"#anim-38b83021-3612-47f7-85d4-13c55a86f789 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-0.7542570266584587%, 7.156542616549716%) scale(1.308641975308642)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-b89d7a41-0e18-4ed1-a22c-47385c3f360a","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-18457aff-8c89-4fb6-988f-2bfe0cdf2984","keyframes":{"transform":["translate3d(0px, 168.50521%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.