4 Credit Card Mistakes You Should Avoid in Hindi | By Ishan
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4 Credit Card Mistakes You Should Avoid in Hindi | By Ishan
If you have a credit card, you owe it to yourself to use it the right way. Making any of these credit card mistakes could cost money and precious credit score points.
1.Making minimum only payments: Making the minimum payment on your credit card not only increases the amount of time it takes to pay off your credit card balance, it also increases the amount of interest you pay on your credit card. Don't just pay the minimum payment (unless it's part of your get out of debt strategy). Instead, increasing your monthly credit card payment helps you pay off your balance sooner and at a lower cost.
2.Paying late:Paying the minimum on your credit card not only increases the amount of time it takes to pay off your credit card balance, it also increases the amount of interest you pay on your credit card. Don't let your due date pass you by. Send your monthly payments on time. Come up with a system for remembering your due dates if you keep forgetting.
3.Loaning your credit card: When you loan your credit card to someone else, you have no control over the purchases they make. In the end, you’re responsible for paying the bill, even if the person who borrowed your credit card doesn’t. Never loan your credit card unless you're prepared to pay for all the purchases they make.
4.Ignoring your billing statement: If you don’t open your credit card billing statement, you risk missing your payment due date. You could also miss important announcements about changes to your credit card terms. Not only that, your billing statement is often the first tip off to any fraudulent activity on your account. Always read your billing statement, if only to make sure that all the charges are accurate.
5.Letting your credit card get charged-off: A charge-off is one of the worst things to happen to your credit report and your credit score. The charge-off listing will remain on your credit report for seven years and could effect your ability to get credit cards and loans in the future. It takes six months of missed payments to get to charge-off status. Bring delinquent accounts current before it gets to that point.
6.Waiting to report your lost or stolen credit card: The longer it takes you to report a lost or stolen credit card, the longer the thief has to charge up your account. If you report your missing credit card before any fraudulent charges are made, you’ll have no liability for the charges. Report a missing credit card as soon as possible to limit your liability for fraudulent charges.
7.Maxing out your credit card: Charging your credit card balance beyond 30% of your credit limit is dangerous to your credit score. Getting close to your credit limit puts you at risk for over-the-limit fees and penalty interest rate your credit card charges when you exceed your credit limit. Maintain a good credit card balance for a healthy credit score and manageable payment amount.
8.Closing your credit card out of anger: Canceling your credit card account will seldom get you anywhere with your credit card issuer. It will almost always cost you credit score points as you drive your credit utilization up. Leave credit card accounts open until you're sure closing the card won't hurt your credit score.
9.Applying for too many credit cards at once: Each credit card application has the potential to knock points off your credit score. If you apply for several credit cards within a short period of time, you might notice the denials are more frequent as lenders start getting suspicious about the sudden onslaught of credit card applications. Apply for new credit cards one at a time on an as-needed basis.
10.Not knowing your credit card terms: Knowing how your credit card company handles late payments makes you more likely to pay your credit card bill on time. Knowing your credit card terms give you more control over your credit card costs. You know how you should and should not use your credit card based on how your creditor will respond to your actions.
Review the terms of your credit card at least once or twice a year (you can find them at your credit card issuer's website or request them from customer service).
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आप जैसे अच्छे इंसान ओर भी होने चाहिए जो सिर्फ काम की ही बात करें ।। शुक्रिया
Good
जी, हर विडियो काम की होती है,, भाषा भी स्पष्ट..👍
Kyo baaki sab Hindu muslim hi karte hain kya?😀 Wese iss per bat karna bhi jaruri hai because bahut gandagi macha di hai jahil kom ne desh aur duniya mein! Apne aasmani kitab ki wajah se andhvishvashi hokar!😀
@@MegaRamesh1982 andhvishwashi toh 12 12 haath aur mooh land ki Pooja karte ho
सही कहा भाई आपने🙏🏻🙏🏻
4 महीने पहले मैंने Samsung Note 9 फोन लिया था जिसके लिए मैंने Credit Card से ₹25000 spend किये थे 50 दिन का समय मिलने के बाद भी मैंने 4 दिन देर से पैसे पटाए.... due date 1 जनवरी था और मैंने 5 तारीख़ को पैसे पटाए....देर करने की वजह से मुझे बहुत से charge लगे जो इस प्रकार हैं :
Payment bounce charge ₹300+₹54 gst
Over limit fee ₹500+₹126 gst
Late payment fee ₹700
Debit interest ₹1458
साथ ही कुछ और gst लगे कुल मिलाकर मुझे देर से पैसे चुकाने की वजह से ₹3491 अगले महीने देने पड़े.... सबसे बड़ा सरदर्द तो gst है जो हर charge पर 18% लगता है...पहली बार Credit card use किया इसलिए ज्यादा जानकारी नही थी.....इसलिए credit card लेने से पहले बैंक जाकर अच्छे से पूछताछ करें और card का समझदारी से उपयोग करें...साथ ही बैंक के mobile phone app install कर लें...due date पे या उसके पहले ही पैसे चुका दें....
5 january
भाई मेरी ड्यू डेट 8 तारीख है महीने की और मैंने 6 तारीख को जमा करके 7 को फिर से शॉपिंग कर ली तो उस पर कोई चार्ज तो नहीं लगेगा
vo mony apne app katti ha ya nahi?
@@AmitKumar-mr8nr
Bhai Ise Bhi Badiya Taraki Hai
Bill Gernate Hone ki next date ko shopping Karne se koi Bhi late charge Nahi lagta or pure 50 din milte hai 30 bill period ke or 20 Payment ke .....
GST on interest is 18% which adds 2% to the 4% monthly interest.
बहोत ही जरुरी एवं आवश्यक पूर्ण जाणकारी दि हैं ईशान सर आपने हम सबको.. बहोत ज्यादा शुक्रिया
बहुत ही अच्छी व सटीक जानकारी दी आपने ,बहुत धन्यवाद आपका।
Thank God
कोई बात नही🙂
L7o9a0n8 0n1u7m3b8e9r
Aap ne sabse achha se explain kiye sir THANK YOU SO MUCH
Me CC use karta hoon pichle 12 saal se. Jo kuch tumne bola wo minimum hai. Aur bhi mistakes log karte hain... Like CC emi, if you can't pay the full amount. Jumbo loan offer in CC. Ek CC se dusre CC me balance transfer
Karna... Etc etc...
आप जैसे अच्छे इंसान ओर भी होने चाहिए जो सिर्फ काम की ही बात करें ।। 100 % right
Firstly, thanks a lot for the information. Below are a few things which you shud know:
1. If you can pay the purchases of one month, the next month, once the bill is generated, then why take a credit card at all?
2. Withdrawing cash from Credit Card does not get you charged a interest from the beginning. It has a flat charge of around 350-750 rs and then the rest is as usual.
3. Finally, ever heard of a Credit Card EMI? Withdraw Cash when you need the most and then convert it to CC EMI, pay it as per your will.
Adding money from CC to wallet has a limit of only 5000.
On a conclusion, a CC is for people who wish to take mini loans. For example a AC for 30k or a laptop. You don't have to take a personal loan for it and pay via CC, convert to EMI and pay as low as 2000 per month.
And I regret to say, if you have used a CC for more than a year and didn't pay anything extra, then probably you don't need a CC. I have used them for more than 6 years.
Good...:) thanks for comment
Kya? Bakwas kehte ho contradictory comment👎
You 100% right fantastic information 💗
Love❤😘 u
Mem Me te bhut piasa bhar Chuka hu
Credit card ka sabse bada JHOL...
Agar aapne EMI pe mobile liya h or agar aapne order cancel kar diya h phir v bank wale bill generate kar ke paise udate rehte h......... Aapko call kar ke cancel karwana pdega or agar cancel ni karwaya to paise udate rahenge..... ICICI bank
Saare bank ka yahi system h
बहुत नुक्सान। कभी भी credit card नहीं लेने चाहिए। बहुत बड़ा धोखा हुआ है क्योंकि जानकारी नहीं थी। मैं तो यही कहूंगा जिसे credit card के बारे में जानकारी नहीं है वह कभी नां लें। वैसे बेंक वाले भी लोगों को गुमराह करने में माहिर हैं।
*5. GIRLFRIEND हो तो क्रेडिट कार्ड use मत किजीए* 😂
Ha ha ha ha, Very good.
Shreedhar Shelar
Ek bhi nahi ho to
Kiya kare fhir
Mohd Hanif congo... u have save 1,00,000₹👍
Shreedhar Shelar bhai tume katana bachae
king kong पैसे बचाये नही तभि चलेगा, लेकींन खर्चा मत करो...
Points are Valuable and Simple Explanation is your Mastery
अरे भाई साहब आपका नाम इशांत नहीं बल्कि इंसानियत वाला काम भी करते हैं
This man looks so different after 5 years.. Great bro take care
Credit card se cash nikalne par cash advance fee lete hai aur cash repayment due date se pehle kiya to kya 1st day se interest lagega....??
Sir what are pros and cons if I want to paid the bill for 1 credit card from another credit card
Nobody is there to reply your question sir,
Please don't waste your time.
I believe you are talking about balance transfer. You will be charge fee or there will be interest in the card from where you are transferring.
Credit card ka payment karne ka best option kya hai.... For example jaise aapne aap yani automatically aapke account se deduction ya phir manualy jakar khud pay karna... Which was best option... Aapke taraf se
......
Auto debit
Correct and important information with no bakvas super ishan
बहूत ही महत्वपूर्ण जानकारी दि है |
बहुत धन्यवाद...👌👌👌👌
Bank wale hmesha kyun piche pdte hai "Sir please credit card bnwa lo"
Kyunki agar due date aapne miss ki tow 36% se 40% tk interest lgta h fir bnda bhr hi nh paata interest ke dal dal m fsta chla jaata h or usse cibil score bhi worse hote chla jata h then fir aapko koi company loan bhi nh provide kregi
Credit card agar koi banda le leta hay is say pata chal jata hay kis ke kitni aukat hay who time pay bhar pata hay ya nahi agar nahi to uska cibil kharab kar ke usko ane wale din may koi bhi bank bada loan kabhi nahi de ti aur is say bank ka bada loan dene say bach jate hay
मेरे पास 6 है, आप सही कह रहे है , मुझे अभी pay करने के बाद कुछ को बंद करना पड़ेगा।
गुड information।
Sir agar hum creadit card nahi use kar rahe hai to bhi monthly charge lagega?
Hlo sir , plz tell me how i use my negative balance "cash in credit card wallet"
9780521000
App ko maulam nai k
Sahi hai but correction..
Credit card se Wallet pr paise add krne ko charge nahi lagta.
But wallet se acnt pr paise transfer krne 3 percent charge lagta hai.
Sahi pakde
Sahi bola bhai
Mujhe credit card liye 4-5 month ho gye hain maine credit card se cash 1 rs hi nikala hain mujhe bhut jyada chatdes padte hain.....credit card..
भाई में करीब 12 साल से क्रेडिड कार्ड इस्तेमाल कर रहा हूँ और मैं कार्ड को बहुत ज्यादा इस्तेमाल भी करता हूँ लेकिन मैं समय रहते बिल पे कर देता हूँ और आप बिलकुल सही बोल रहे है कि अगर कोई कार्ड को सही तरीके से इस्तेमाल नही करेगा तो कर्ज में सच मे डूब जाएगा ।
Thank you! Ishan
Nice video
Personal Experience only use it when emergency switchation and take it only one credit card, and limit should be as per your salary income.
Best hai aapp credit card na hi le.... Kabhi bhi aap problems me pad sakte ho
Can I permanently close my credit card by informing the customer care that I have lost my credit card. Will the bank close it permanently then?
Limit kya bank se set kar deta hain??
Sir bank of baroda ka credit cards zero balance account kholte samy apply kiye eske fayda our nuksan
Sir, muje hdfc bank ne credit card diya hai, muje life time free membership fee diye laikin mujse 590 rs ka charge liya gya
Bhai apna light bill link kijiye
Annual fees 500+90 Gst =590
Apne spend nhi kiya hoga 10k se kam apne spend kiya hoga isly apko charge lga
Earlier I was using Axis credit card. On any transaction Rs 250 was charged instantly, then 2.5% interest monthly and there was an AMC nearabout Rs 400.
For last one year I am using ICICI HP CORAL & ICICI AMAZON credit card.
Both cards come with
NO AMC
NO TRANSACTION CHARGE
and last but not the least ZERO INTEREST ON EMI.
Now I am happy with those cards and good buy Axis
How to cancel credit card parmanently?
@@jadhav_world683 you have to contact with your base branch
is any charge taken with no use of credit card ?
mujhe Hdfc bank ka credit card mila hai lekin mai dar raha tha use karne ko lekin apki video dekh kar dar nikal gaya...
thank you sir
Ishan bhai aapne jo bat btaai h credit card k bare me sari bate super btaai h aapne ...Jaisa aapne btaya h same mai aise hi chal rha hu...Maximum mere pass 3 hi credit h ..Jinme se 2 hdfc ke h jinka saal ka koi charge mera nhi lagta ..Hdfc k dono card ki saal wali fees meri nhi lagti vo free h ..Or dusra ek s.b.i.ka h ..Or mai apne card ki payments time pe hi krta hu..Maine account se automatically kiya hua h ...Apne aap due date aane pr auto pey ho jata h...Thanks ..A nice vidio
i pay all my credit due before due date....
Papa k pas credit card hai aur unhone usse ATM se bahut bar paise nikale.Lekin unhone kabhi bill pay nahi Kiya. Ab unke A/C se ek lakh se uppar Paisa Kat gaya hai. Papa bahut paresan hain. Unka a/c balance zero ho gaya hai. Ab wo card ka use nahi karte hai. Kya aage v paisa Kat sakta hai. Papa ka bill baki hai ya Pura paid ho gaya ye kaise janungi .Credit card kho Gaya hai ise kaise block karu ?
bhai app ka paisa baki hoga toh app k pas ek letter ayega or app agr card block karna chahte hoon toh customer care mei call kariye Google mei sbi credit card customer care number mil jayega!!!
Costomer care wale sab jankari dete hai register mobile no se
Credit card SE atm SE paise Na nikale
Aapko bank Jake block karna hoga form bharke
Mere pass 5 Credit card he... Koi pareshani nahi he sir ji... Time se payment karata Hu sab ki 🙏🙏🙏
Credit card ko pay phone se jodne ke bad UN se paise nikalne par koi charge lagega kya
Thanks for the best part of a year
Zabardast Information Ishan Miya
आप जैसे ज्ञान देने वाले होने चाहिए कोई फालतू की बात नहीँ शीधे काम की बात
Credit card se kisi other person ke account me paise transfer karte h to interest lagega Kya sir
Nhi
Sir i wanna ask u that is it safe to give card no or cvv no to netflix or amozon prime video.plz tell me... I feel unsecure to do this.
It's safe. But they auto debit the amount from card for the membership fees
9929619272
Credit card se payment karna chaha to shop owner kahte hai ki 2.5 % jyada dena padega .
To kya ye sahi hai ?
Galat
@@mitulpatel6191 to iski complaint kaha par kare
भाई जवाब ज़रूर दीजिएगा
दिवालिया होने पर क्रेडिट कार्ड पेमेंट की वसूली का बैंक के पास क्या प्रावधान है ?
Nice video about credit card, is income proof mandatory, before applying for credit cards? Can we keep 2 credit cards, 1. Amazon Pay credit card and 2. HDFC Bank CC.
Income proof not needed when get from HDFC. u can keep unlimited cards
Thanks,, I got a HDFC Bank Credit Card today only so i wanted to know all the things
NBI on TH-cam ghrgjj
Hello HDFC Bank Ltd Team,
I your payment timelly given to HDFC Bank Ltd organization but our problems still not resolved why?
1. My old credit card was did Blocked by your team member side.
2.Correct statements still not provided .
3.New Credit Card still not re-issue.
Kindly look into and do the need ful on asap
Bhai ye konsi bhasha hai??? Yeh kis tarah ki english likha hai aapne? Na vakya rachana sahi hai, na tenses sahi hai.
Sir can you share your number
Sir card ka closer form ata hai usko bhar ke bhej dijye ap ka card band ho jyega
Address- Hdfc Bank Card Division 8 Lattice Bridge Road Tiruvamiyar Chennai.
600041
Ishaan bhai mene sbi me f.d kraai hai 2 years ke liye jisko 1 year complete ho gya hai ab mujko paiso ki jrurt pd gayi hai ab me soch rha hu f.d todne ke liye isme mujko kitna interest kat krega bank thodi jankaari dedo plzz brother
Sir I had being offered for irctc-SBI credit card free for a single year having ROI 3.2% with due date of 45 days, the only special benefit is while do booking journey via irctc. Kindly suggest me is there better option than this card?
Would I use this credit card for payment of hospital bills?
I also got this card last month, is there any use of it if i travel rarely, infact this is my 1st credit card, if i don't use it for a month, then also some monthy bill will b generated, please answer 🙏
Great good speech
Muskan Darbhanga 🐱
Muskan Darbhanga okkk
Darbhanga me Kha se ho????
Muskan Darbhanga ho
Hii
Bhai me bhi galati se atm withdrwal kar liya tha wo galti bhot bhaari padi 3.5%per day and 500 rs direct withdraw
Bhai hdfc moneyback card ko kaise activate kare
Sir aapki videos youtube pe sab se best hai
Credit card ko kaise band kare .Kya process hai bataiye sir .. please
Credit score good hone se ,dusra credit card without any document and online apply ke dwara milega?
Hi ishant sir
Agar hum credit card se paytm par cash other person ko pay krte h jaise my friends and relative to kya charge lagega
Sir credit card se gadi ya bike me petrol dalwa sakte h is ka koi nuksan to ni hota
nahi bhai koi problem nahi but bill ane p apni payment kro
Yes, Aap apni gadi or bike me credit card se petrol dalwa sakte ho. And agar aap time se credit card ka bill pay karte ho to koi nuksan nahi otherwise apko fine dena hoga. Agar apke pas fuel credit card nahi hai to aap Bajaj Finserv fuel credit card ke liye apply kar sakte ho. Is card par apko bahut sare benefits milege. Adhik jankari ke liye Bajaj Finserv ki official website par visit karo.
@@ShailendraKumar-lg9vrthenkyou sir
Maine bhi aaj tak ek rupye bhi extra pay nahi kiya hu, or hamesha last date of payment ke 1-2 din pahle saara payment kar deta hu
Sach me kiya bhai
Sahi he .....bahut badhiya 👍👍👌👌
Vary nice bro clear video vary helpful video
Agar m kisi month m apna credit card use na karu to phir bhi mujay credit card ka bill bharna hoga?
Salut Hai bro! aap se bhut kuch knowledge hoti Hai aapki baato se I proud bro thanx for everything.. Aapko koi भी video miss nahi karta... Thanx
sir is there any charges applicable while i purchase anything on amazon or flipkart and do online payment through hdfc moneyback credit card.....???
No bro paytm mall se krogay tb lagega charge as a cash withdrawal
Credit card apply for contact 8102111313
Thanks sir aap original video banate h I like sir
Sar. man lo ki aaj 1 tarikh ko pese kharch kiye he puri limit me or uska bil ki tarikh he 29 or ye tarikh ko hamne pure pese bhar diye.
To muje ye bataiye ki vapas credit (jama )kab honge?
Sir mene RBL platinum bajaj finsever se 100+15450 ka fuel parches kiya tha 19 April 2020 ko to sir mene jab check app per 21 April 2020 ko to usme 1.18% charges add ho chuka he -- to sir abhi muje kya karna chaiy --?
Nice and helpful video thanks a lot for such a useful video
After adding amount to my paytm wallet and then to my saving account they take 4% charges plz help to avoid charges
Yeh charge to dena hoga apko aap mobikwik se kr sktr h usme kmm lgta h
Free m ho jayega bhai Maine Kiya h Bina charge ke
@@PKMishra kaise
@Gaurav kumar paytm business account m transfer kro detail m janna h to mare channel pr about m mail 📧h contect kre
Dear sir, please let me know Kya? Hm dusre ke account m lakh rupees transfer kr skte h, kyoki Mera card pr 20 thousand limit h. Please reply how? As soon as possible. You are the best for every thing.
I have two question please reply..
1. Agar maine Flipkart se shopping ki or mujhe product accha nhi laga jsike karan maine uski cancel kr diya....kya ab uska koi charge lageg???
2. Agar mere last month ka bill abhi bakaya h but uski last date bhi abhi nahi gayi h or maine es month me fir se shopping kar li fir uske bad last month me jo bill aaya utna paisa pay kr diya...to koi problem to nhi hogi...??
Please reply quickly..
HDFC credit card coustomer help line number not work tell how I finding my details
Call on 18602676161...
Normally on this no. They dont giv option to talk with cust. Care officer...but if u go in particular option u dont reply for any options twice...then line will get directed to officer...u can clear ur dbts then...hope this will work 4 u
Dear Ishan can you please explain security features of Credt card.
Nice ishaan ji but 3 mistake i dont agree because woh intention hai mere pass past 4 yrs 3 credit card hai total limit sabki mila kar is 280000 but kabhi extra spend nahi hua because depends on me and yes aap misuse ya ignorance ka ek result batana bhool gaye ki late payment ya partial payment ya late fee se USER ka civil score gir jata hai aur issey future application like credit card ya loan ya finance inmay dikkat aati hai because score shayad 750 above he consider hota hai
Credit card ki payment account main dale ke Kare ya fir card ke number se
Mai to kheta hu kabhi credit card 💳 mat lo bajar se Sona rakh k lelo lekin bank k lafre Mai mat paro aadhi zindgi fail ho jayegi har mahine ki date dekh dekh k
Sahi baat h
Can I close my credit card without using a single time?
yah maybe, but your credit points may get affected. not sure
कई वीडियो देखा लेकिन सबसे बेहतरीन तरीके से आपके द्वारा समझाया गया।
बहुत बढ़िया जानकारी दी आपने ईशान भाई। शुक्रिया जी।🙏🏻🙏🏻
Petrol dalne se thoda extra charges Lagta hai Mera cr card me
Petrol pr surcharge lagta hai. But 400 se kam pr. 400 se up transaction pr surcharge refund hoga next bill me.
Thanks a lot for such valuebale information.
Ye sahi hai pehle wallet me add karo fir account transfer karo then atm se nikal lo charges kam lagenge😃
I usually pay my bills within 3-4 days of my purchasing, is this good or bad for my CIBIL score..??
Please do reply sir..🙏
दो महीने हो गए, अभी तक कोई जवाब नहीं..!!
अपने हर विडियो में आप सवाल पूछने को बोलते हैं, इसीलिए सवाल पूछ लिया।
अच्छा है, अब सवाल पूछने में टाइम ख़राब नहीं करूंगा।🙏
@@suhelindia जैल में था बेचारा... जवाब केसे देता...
@@user-dp2co6vt9u फ़िर से अंदर हो गए शायद,,
बाहर होते तो जवाब ज़रूर देते...
Very good information
Sir mere credit card me issue month se hi automatic prepaid mobile recharge ho jata h @100/- every month ... esko stop kaise karu 🤔
Apna auto pay ban karwa do
Credit card se atm se cash nikale h to uska charge lagega pata nhi tha bhai TQ bhai
Loan naa liya ho aur cash ki jarurat hui ho toh kya charge lagega, phir naa nikala ho aur jamaa kiya ho toh koi pareshani hogi. Kripya vistaar se jaankari dijiye.
Great video bro thank you
Thank you Sir 💯
सर बहुत अच्छा बताते हो आप मेरा credit card आया हुआ है 7दिन हो गए
आदि मैं यूज करता हु तो लोन भरने का no कौन सा है और बैलेंस कैसे चेक होता है
Thanks you sir for your information 🙏
Critical card kids limit hi nehi bedrehi hai
1" 5sahl ho geya bill bi nehi miss firbi
Thank you for information 👌🙏
Thaikyu sir jankari dene ke liye
Bhai maine kal apne credit card se 2000 cash nikale... and then aaj mere 500 extra charged kr liye gye... And Maine statement check out kra to deduction due Cash Advance Fee show ho rha hai
Now mere ko kya krna chahiye...?
Case advance fee lagti he kabhi bhi credit card se cash nahi nikalne ka
Bro agar cash chiya to kesi bi shop Mai jio apni Jan pahichan Bala Ka pass us se card swip karo aur pasa la lo
*Sir CIBIL khrab ho jaye to uska implement kaise hoga plz btayega sir*
Gold loan l le bhai
bhai mera 200 rupay bill aya
mene use v ni kiya fir v
to kitna charg lagega
Pehle check kro. Kya charge lga hai
Thank you sir for great information
Sir mene apne card se petrol dalwayaa tha rs 1200 ka
5 din baad pay kr diya bill generate to huaa hi nhi
Kyu...??
Hdfc ka money back credit card mere pas hai or iska charges bhot zada hai koi credit card na hi lete to bahetar hai hdfc ka hi nhi dusre bank ka bhi q ki 3.5% charges ke sath gst bhi 18% lgta hai or kabhi kabhi aapki bill 200 ki bhi rahegi to usme bhi 200 300 ka finance charges lgta hai usse acha cash me hi saman purchase kre
mujhe to kafi nuksan samajh aya