❓1. Credit card kya hota hai aur kaise kaam karta hai?
उत्तर: Credit card ek plastic ya virtual card hota hai jo aapko bank dwara ek fixed credit limit deta hai. Is card ka use aap shopping, online payment, travel bookings ke liye kar sakte hain. Har mahine ke end me ek bill generate hota hai jise aapko due date se pehle chukana hota hai. Agar aap full payment kar dete hain to aapko interest nahi lagta.
❓2. Credit card aur debit card me kya antar hai?
उत्तर: Debit card me paisa aapke bank account se turant deduct hota hai, jabki credit card me aap loan lete hain jo aapko baad me repay karna hota hai. Credit card me aapko reward points, cashback, aur EMI jaise features milte hain.
❓3. Kaun sa credit card beginners ke liye best hota hai?
उत्तर: Beginners ke liye best credit cards hain:
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Amazon Pay ICICI Card – ₹0 annual fee, cashback benefits
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SBI SimplyCLICK Card – online shopping par achha cashback
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IDFC FIRST Millennia Card – lifetime free, 10X rewards
❓4. Credit card lene ke liye minimum income aur documents kya chahiye?
उत्तर: Aapki monthly income ₹15,000–₹25,000 honi chahiye (minimum). Required documents hote hain:
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PAN card
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Aadhaar card
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Bank statement (last 3–6 mahine)
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Salary slip ya ITR (self-employed ke liye)
❓5. Kya credit card lene se credit score improve hota hai?
उत्तर: Haan, agar aap apne card ki payment time par karte hain to aapka credit score (CIBIL) improve hota hai. Regular usage aur timely full payment se aap future me loan lene ke liye eligible hote hain.
❓6. Personal loan aur credit card loan me kya fark hota hai?
उत्तर:
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Personal loan: Fixed EMI par long-term loan hota hai, interest rate kam hoti hai (10–15%).
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Credit card loan: Short-term aur higher interest (~36%) hoti hai, flexible repayment option ke saath.
❓7. Low interest loan kaise milega?
उत्तर: Low interest loan paane ke liye aapka CIBIL score 750+ hona chahiye, aur aapki income stable honi chahiye. Agar aap salary account wale customer hain ya pre-approved ho to bhi aapko kam interest par loan mil sakta hai.
❓8. Kya gold loan lena safe hota hai?
उत्तर: Haan, agar aap trusted bank ya NBFC se gold loan lete hain to ye safe hota hai. Lekin aapko timely repayment karna hoga warna aapka gold auction ho sakta hai.
❓9. Loan lene ke liye CIBIL score kitna hona chahiye?
उत्तर:
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Personal loan ke liye: 700+
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Home loan ke liye: 750+
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Gold loan ke liye: Score kam bhi chalega (collateral based hota hai)
Score jitna achha, interest rate utna kam milega.
❓10. Kya ek se zyada credit card rakhna sahi hai?
उत्तर: Haan, agar aap responsibly manage kar sakte hain to 2–3 credit cards rakhna theek hai. Har card ka use alag category ke liye karein jaise ek shopping, ek travel ke liye.
❓11. Credit card ka misuse kaise roka jaaye?
उत्तर:
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Card ka PIN kisi ke saath share na karein
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OTP secure rakhein
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Public Wi-Fi par card use na karein
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Card ko app me lock/unlock ka feature enable karein
❓12. Emergency fund hone par bhi loan lena chahiye kya?
उत्तर: Nahi, agar aapke paas emergency fund hai to personal loan lene ki zarurat nahi hai. Loan sirf tab lein jab emergency fund khatam ho gaya ho ya insufficient ho.
❓13. Online shopping ke liye kaun sa card sabse acha hai?
उत्तर:
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Amazon Pay ICICI Card – Amazon Prime users ke liye best
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Flipkart Axis Card – Flipkart/Myntra/Swiggy ke liye best
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SBI Cashback Card – 5% cashback on online purchases
❓14. Credit card ka annual fee kaise waive karein?
उत्तर: Zyada tar banks ₹1–2 lakh annual spending par annual fee waive kar dete hain. Bank ke terms and conditions check karein aur uske hisaab se card ka usage badhayein.
❓15. Agar time par payment na ho to kya penalty lagti hai?
उत्तर: Haan, credit card me agar payment due date ke baad kiya to late payment fee + interest lagta hai (monthly ~3%). Isse aapka credit score bhi girta hai.