Credit Card कैसे कर देता है 'कंगाल'? Banks कभी नहीं बताते ये नुकसान की बातें | AajTak Digital
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- เผยแพร่เมื่อ 4 ต.ค. 2024
- AajTak DigitalCommon Credit Card Mistakes: पिछले कुछ वर्षों में online transactions और online shopping का craze काफी अधिक बढ़ा है. इन सबके साथ क्रेडिट कार्ड का इस्तेमाल (Credit Card Usage) भी काफी बढ़ा है. Credit card को online transactions के लिए experts ज्यादा safe मानते हैं. इसमें transactions के बाद payment के लिए करीब 50 days का time मिल जाता है. इससे भी क्रेडिट कार्ड यूजर्स (Credit Card Users) को मदद मिल जाती है और emergency के समय में भी यह काफी काम आता है. हालांकि, इसके कुछ नुकसान भी हैं, जिसके बारे में credit card companies आपको खुलकर नहीं बताती हैं. वास्तव में अगर क्रेडिट कार्ड का इस्तेमाल (Credit Card Utilization) ठीक ढंग से नहीं किया जाए तो इससे आपको काफी अधिक नुकसान पहुंचता है. आपके पास जब क्रेडिट कार्ड का बिल (Credit Card Bill) आता है तो उसमें दो रकम लिखी होती है- Total Due (कुल बकाया) और Minimum Due (न्यूनतम बकाया). कई लोगों को लगता है कि Minimum Due का payment करने से भी उनका काम चल जाएगा लेकिन हकीकत इससे अलग है. ऐसा कत्तई मत कीजिए. अगर आपने total due amount का payment नहीं किया तो credit card companies काफी अधिक interest लगाती हैं. इस वजह से आपका bill हर महीने काफी अधिक बढ़ जाता है. जब आप कोई महंगा सामान खरीदते हैं तो कंपनियां उस transaction को free में ईएमआई (No Cost EMI) में convert करने का वादा करती हैं. हालांकि, आप यह जानकर हैरान रह जाएंगे कि इस पर तमाम terms and conditions apply होती हैं. अगर आपने किसी भी terms and conditions को follow नहीं किया तो आपको काफी अधिक interest का भुगतान करना पड़ सकता है.
#CreditCard #AajTakDigital #Banks
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Kafi saal ke baad aaj aap ne kuch sahi news di hai....jo samajh jayga meri comments woh like zaroor karega
Owned 5 credit cards but Still there is no issue.. It's very useful for daily life Essentials.. If you're doing payment timely than there is no issue... 👍
Right bro , I have also 2 credit card
Please suggest a good card
I have 6 cards
I facing credit card fraud 😭😭😭
Credit nahi kagal card hai
@@HistoryComicsMemories it's your mistake not your card's fault..
Credit Card ko soch samajh k istemal karna chahiye.....Jitna mahine me kamate hai, us hisab se hi Insan ko kharcha karna chahiye....
आप credit card ke baare me ek complete video बना दे इससे सभी पर से पर्दा उठ जाएगा please और बहुतों का confusion यूं दूर हो जाएगा
मुझे लगता है अगर आप समय पर भुगतान करते है तो कोई समस्या नही होगी
Right
Tab bhi nuksan h
ऋणी मनी का खेल, उदारी का मायाजाल जो समझ गए वो बच जाएगे, वरना मार्केट और बैंकिंग कंपनिएस ऐसे ही मजे लेते रहेगे 👿👿👿
Don't use credit card beyond capacity
Great information Ansari saheb 👏👏👏
Simple si baat h credit card wahi use kare jisko bharosa hai ki wo pura pay kr dega barbad to anaadi hote hain..time se pay kro sab thik rahta hai
I'll take money frm cc better then borrowing from others
No issue i m using from 4 years
No additional charges on credIt limit enhancement . Just pay your due amount timely, no issues
I have great experience with credit card.
Emergency m credit card best option hota h kyon ki agar koi time par pesa nhi deta h us time ye card hamara sath dete hai emergency m kisi mangna to nhi padta agar sahi jagah pesa kaam m liya h to credit card best option h ab vo credit card ho ya kisi se udhar liya hua pesa dena to padega
Ekdam sahi mere man ki bat dusre ke samne bhik mangne se accha hai khud ka credit card use Karo😊
Shi bat hai
I have 9 credit card...no issue 😀
Redeem points ka aapne wrong bataya Syed ,maine sare points ko rupees me convert karwaya and mujhe 4500 rs account me aaye .
@@nt7055 Na ,har bank me aajkal uske customer ko 1 relationship manager assign hota hai wo sari help karta hai .main HDFC ka use karta hu to mere relationship manager ne sari steps batao aur khud saamne se karwa kar diya .
Very informative video aapki baat sahi hai sir
10000 ka 40000 payment kiya h barbadi h
Don't have credit card I am not able to make any payment online though have net overdraft (credit limit) granted against fds is one in million Rs Making Debit cards disabled is mistake Acc holders are comp see lled to aquire credit card against their wish
Mahangai ka ek karan credit card aur and loan bhi h.
Credit card sirf imaan walo ko liye hai chor ke liye nhi ya fir baiman logo ke liye v nhi jinko pta hai ke kuch lene ke baad dena v padta hai unko koi problem nhi hogi
Ekdam sahi bat
Credit card sirf or sirf emergency use ke liye hota hai otherwise time par pay krte rahe koi bhi problem ni hogi mushkil ghadi mai koi kisi ko 1000 ni deta ye to 50000 de dete hai bhai log😊
Ekdam sahi jo samjhdar wahi esa sochega like me and you 😊
Credit card companies batati nahi hai par aapne Bata diya😂
Sir मैं कुछ इसी तरह से फसा हुआ hu । अब मैं अपने एचडीएफसी बैंक के credit card se pareshan hu job ke jane ke bad pata chala ki मैं किस मुसीबत में फस गया हू।
Bhai koi loan lekar card khatam kar do mai bhi fas chuka hoo bhai bahut nuksan hta hai on line
Yes it's very correct thanks for showing to all
Thank you sar best jankari dene ke liye 🤗
Inhi logon ne credit card ko itna bada taboo bana rakha hai Aur aam Adami credit card se Milne wala benefit Nahi le Pata
Mere pass 11 banks ke credit cards hain and I have faced no issue and I am happy with the cards
Bro mujhe iske bare me samjha sakte ho kya
Bhai credit card ek card hota h atm card ki tarah jisme bank apko ek limit deta hai jaise 10000, 20000 ya usse zyada bhi ho skta h jisko aap kahin bhi shopping ke liye use kar sakte ho Aur paise bank deta h shopping ke Aur apko woh paisa 30-48 din me wapas kar sakte ho Aur agar Nahi karte ho tab apko penalty lagta h verna koi charge Nahi hota h Aur agar ap chahoon toh apni shopping ko emi m bhi convert karwa sakte ho Aur ek Aur advantage h credit cards pe online Bahut saare offers aate h jaise 10% discount and much more BAs apko ek hi cheez ka dhyan rakhna hota h ki jitna pay kar sako utna hi spend karna Aur payment complete amount ki karna time se BAs and credit card apke ke liye ek Bahut useful cheez ban jaega
@@ayushshukla8920 धन्यवाद भाई आपको 🙏🏻🙏🏻🙏🏻🙏🏻
@@ayushshukla8920 jo pay nhi kar sakta uske liye ye problem hai hamare liye nhi mujhe samjh me aa gaya
@@plantnurserya.j686 😇😇
I am a banker . With top bank. And some statement are incorrect. Credit card help people a lot in need .
Bewkuf bnate ho tum log samjhe
Bank mai uske bad tamij se bat bhi nhi karte
Ghantha😂😂
I have 14 Credit cards using from last 6 years but till now but i didn't make Minimum due payment...
Bussines man ho
Sukhukrya sir mere satha bhi yahi horaha hai
Thanks for this sir ji
Use proper kiya to koi charge nhi lagta life time free wale pe
Love ❤️ from india jharkhand jamshedpur jugsalai chaprahiya mohallah ❤❤❤
Sbi waale sabse jyada loote h even we pay minimum amount ,then also they pay interest on that amount .but I am using yes Bank cc it's good they don't charge u interest even when u pay minimum amount .
Using of credit card is slow poison lots of hidden charges even that if you not paid in time collection department reach your home please use card if you are able to pay
Amazing knowledge
Thanks Sir 🙏🏻🙏🏻🙏🏻
Thank you sir very ii informative videos
Very nice video
Ltf कार्ड पर फ्री में क्रेडिट लिमिट बढ़ने पर भला कैसे अनुअल् चार्ज बढ़ जायेगा? कार्ड के ऊपर ठीक से वीडियो बनाओ ताकि लोग सही और पुरा जानकारी पा सके.
सर जानकारी देने के लिए धन्यवाद आपका आज तक का
Sir aap aaj tak wale hai super news attention
I am also the user of multiple credit cards. I haven't any issue. I am redeeming rewards point.
Why are you scaring people?
And one thing, there are many features in credit card. Every feature of credit card can not be tell. I think it is impossible. User has to aware for this.
My whole Bussiness from credit cards earn a lot from credit card
Bilkul sahi baat hai sar
Itne dhokhe jante ho phir bhe logon ko mehfooz nahin karte
Bohot acchi jaankaari sir
Sir es dhoka dari ke khilap ham kya action le sakte hai please es par ek video banaye.
True I know this.
Thankyou
Thanks for the info
Sahi kaha sir
सावधानता हाटी ,दुर्घटना घटी .
Sabhi pass hota hai pr bata koi nahi 🤣🤣🤣
मैं क्रेडिट कार्ड के उपयोग से सालाना 18-20 हजार रुपये अपने खर्च पर बचा लेता हूँ.
Mostly things you mentioned in the video are misleading, like charges on enhancement of credit limit, charges on card with no annual fee and joining fee...I have never faced these issues ever during my 10 years of CC use. What was committed was received. I have 8 credit cards and our of these only 1 has annual charges but I have never been charged that except once and this card has points to cash conversion option like 1 point equals 1 rupee. I never misuse or over spend any of my card except necessary goods only.
Excellent
Good news
Thanks for alert
Fir abhi tak kishi ne case kyo nahi kiya or aaj tak etna bada sach bata raha hai per koi complaint karta nahi
Bhai sbi ke credit card se ab 10000 rupye ka rward aa chuka h Amazon se shoping ke liye abi 3 mahine se use kr rhe h.. Ha credit ka paisa day by day lgate h
Thank you
Thank u
all credit card companies :- खोपड़ी तोड़ साले का 😂
😀
Thanks. Sir
Credit card ko soch samajh kar use karna chahiye
bilkul sai baat hai ye credit card ne mera sara bank account khali kr diya hai
Kyonki Tum bewakoof ho
Kyu kya hua aap ke saath? Muje bhi credit card lena he isliye puch raha hu..kya normal use ke liye credit card lena chahiye? Me jyada online shopping nahi karta hu...
Ha le lo Jo Life time free hai
@@shekharjainjain5569 aapke saath kya hua tha jo aapka account khali ho gaya?
@@shekharjainjain5569 😁
Tanks sher ji
Aap apne channel pe ad chalte ho toh kya uski fees nhi lete... Free me kaun dega aur kyu.. Unka v kahi service charge lagta hai.. Atleast market se credit lene se toh acha hai credit card
Very good knowledge
Credit card Is all about emergency help
Right
Aise bank cradit walo ko kya karna chahiye, kya unke liye koi ford karne ka kanoon nahi hai.
HDFC rewad point ko cash me deti hai
Very good
Exactly I never use
मुफत मे कोई भी समान नही देता इसलिए लेने वाले को सोचना चहिए
Right sir
No this is wrong . Partially.
You are right sir .. same condition with me
Mujhe to credit card diya aur envolope open kiya bina fraud transaction bhi ho gaya
3 card hai ...barbad hu 😭
Bhai 10 card hai or moj krta hu
M bhi moj kr ra hi
Tum bewakoof ho
@@ayushshukla8920 tu kya jano
@@ayushshukla8920 tu sabko bewakoof bol raha hai comments.....ek bewakoof ku dusre b bewakoof lagte hai......
Ye news dekhe credit card company wale gussa araha hoga
Misleading dialogues. Ghanta hota hai, 4 yrs me 1 rs bhi charge nahi laga
Credit card Kabhi mat lana dosto
सर आप सिर्फ बता रहे हैं..लेकीन मेरे जैसे ऐसे बहोत लोग हैं जो.. परेशाण हैं कार्ड की वाजह से...क्या गवर्नमेंट को बोलके ये बंद कर सकते क्या कार्ड देना और लोगो को लुटना... पुराने सहुकार पे बंदी करके बँक के साहुकार बना दिये हैं... इनपे कोई अंकुश नहीं है...ये मेरे जैसे हात पे कामाने वालो की लूट हैं...ये कार्ड देणे का टार्गेट पुरा करणे के लिये...सिर्फ चॉकलेट देके कार्ड देते है...और बाद में जितना कमया पुरा लूट लेते हैं...सर ये न्यूज सिर्फ मत दिखाईये उसका इम्पॅक्ट सरकार पर RBI पर होना चाहिए...जनता की लूट को बंद करना चाहिए...कूच लोग तो मर गये इस्के लिये...
कूच तो करो सर...कोई तो आवाज सूनिये...न्याय DIJIYE....🙏🙏🙏
बर्बाद कर दिया है, कार्ड वालो ने
Kaise
Good
Axis Bank ka credit card se 12000 ka jayga me 19000 paid karna para. Full paid. Lekin abhi bhi barte bate ra 9335 payment karne ka liye Roh phone call araha. May 2 saal agge se customer care me phone karke credit card close karne ke liye request kiye dante ke bhi bole. Customer care bolta block kar diye. Abhi may kya karu.
12000 ki jagah total kitna pay karna pada??
Kotak ka redeem hota h....
Total fake bate bataye ho bhai
Nice
👉 *Faltu bakwas baat hai .*
👉 *Aap khud credit card use karke banefit uthate ho or dusare ko na karte ho .*
👉 *Very cheap mentality .*
Mere pass 4 card he koi problem nehi hua he time pe payment karo to koi problem nehi hota he
Sahi bola bro ye Saale khud bhi pagal hain Aur dusro ko bhi bana rahe hain
@@ayushshukla8920 😂😂😂
nahi bhai kuch or seen hai yaar me 13800 ki payment ki shop per or card se 13800 hi kat hue per jab payment ki ussi time to 13952 ke liye bola card
Dhani app sa bach ka raha
👌👌👌
Lagta hai AajTak wala ka credit card decline ho gaya hai
🤣🤣🤣🤣
Aaj he mai credit card close ka rha hun
I have 10 cards and i manage all my spends and pay all bills on time
Itne cards bhai tu bill date kese yaad rakhta hai..
@@JaspreetSinghbeni card bill date chod number tkk yaad rhete hai vrna payment date ke liye cred hai na
@@pranshutalwar7793 baap re bhai mere paas to 2 hi hai fir bhi auto debit hi laga rakha hai cred se bill pay nahi hota kabhi kabhi..
@@JaspreetSinghbeni aacha bhai mujhe to koi dikkat nahi hai sb bdiya hai
@@pranshutalwar7793 agar credit card 10 hai to debit card kitne honge🤔
Sahi tarike se use karo achha kaam ata hai emergency me
Koi news nhi to yahi sahi kya btau .......