Debit or Credit  Card Kya Hota hai (डेबिट कार्ड और क्रेडिट कार्ड क्या होता है )

Hi Friends, Kya apko pta hai Debit Card Kya hota hai?. Kya apko Pta hai Credit Card Kya hota?. Shayad 100 me 50 logo ko ye Debit Or Credit ke bare me pta ho. But Bahut se User aise hai jinko Debit Card aur Credit Card ke bare me nahi pta hoga. Isliye aaj mai apko Debit Card aur Credit ke bare me detail me janakri dene wala hu. As well as Credit Card Vs Debit Card ke Difference ke bare me bhi bataunga.

Jab se 500 aur 1000 Rupee ke Currency Ban huye hai. Tab se logo ka attraction Cashless Payment ki taraf jayada huya hai. As well as aaj kal Logo 30% Saamaan Kharidne ke liye Cashless Payement System ka use karte hai. Jisme se Cashless Payment karne ke liye Net Banking ke Alawa 2 Main Example hai Debit Card and Credit Card. Toh Chaliye Dekhate hai Credit Card aur Debit Card kya hote hai. Uske bad hum dekhenge ki Credit Card and Debit Card ke beech me kya Difference hai.

What is a Debit Card? (डेबिट कार्ड क्या है )

Debit Card jisse Hum ATM Card ke nam se bhi janate hai. Yah ek Prepaid Card hota hai, jo apke Current Bank Account se Juda hota hai. Jiske Help se Online Payment, Money Transfer, Cash Withdraw, Shopping, Etc Jaise Kam kar sakte hai. But Debit ya ATM Card ka Use aap tabhi kar sakte hai. Jab apke Current Account me Balance ho. Agar apke Account me Balance Nahi hai to ATM Card ya Debit Card ka Use nahi kar sakte hai.

For Example- ATM Card ekdam Hamare Prepaid SIM Card ki tarah hota hai. Jaise Prepaid SIM me tabhi Call Lagta hai. Jab Hamare SIM Me Balance Hota hota hai. Ussi Tarah aap ATM Card Se tabhi Payment ya Withdraw Kar sakte hai. Jab apke Current Account me Balance Ho. Jaise hi hame Current Bank Account se Balance Khatam waise hi Debit Card ka Transaction khatam.

Type Of Debit Card: (डेबिट कार्ड के प्रकार)

Debit Card ke Liye Bank , Debit Card Service Provider Companiyo se Tie-up karte hai. Aise hi kuch Companiya hai jo Bank ko Debit Card Provide karti hai.

• VISA Debit Card
• MasterCard Debit Card
• RuPay Debit Card
• Maestro Debit Card

What is Credit Card? (क्रेडिट कार्ड क्या है )

Credit Card ek Postpaid Card hota hai, ekdum Postpaid SIM Card ki tarah. Jaise Postpaid SIM Card me aap ek Month me Jitna baat karte hai, apko utna paisa pay karna hota hai. Usi Tarah Credit Card me bhi aap jitna Shopping, Online Payement Karenge, apko agle Month bank ko Utna paisa pay karna hoga.

Credit Cards ka sabse bada fayada ye hai, Ki agar apke Account me Zero Balance hai. Tab bhi aap bahut araam se Shopping , Online Transaction kar sakte hai. Agar apko Credit Cards ke bare me Detail me Jankari chahiye to aap Link par click kare.

SBI Credit Card Term & Condition : Click Here

Type Of Credit Cards: (क्रेडिट कार्ड के प्रकार)

Jis bhi Bank ko Credit Card Service Start karna hai. Wo Bank Credit Card Service Provider se tie-up karta hai. Jisme mai apko kuch Credit Card Service Provider ke nam bta deta hu.

• VISA Credit Card
• American Express Credit Card
• British Airway Classic Credit Card
• Carbon Credit Card

Credit Card Vs Debit Card : (क्रेडिट कार्ड और डेबिट कार्ड में अंतर क्या है )

Friends ab aapko ye to pta chal gaya hoga ki Credit Card Service kya aur Debit Card Service Kya hai. Ab ye janate hai ki Debit Card and Credit Card me Difference kya hai. As well as hum inhe kaise Use kar sakte hai.

#1 Debit Card & Credit Card Cash Payment Limit:

Credit Card aur Debit Card me sabse bada Difference hai Cash Payment Limit. Debit Card se aap unte paiso ka use kar sakte hai. Jo apke Bank Account me hai. Chahe 500 ho ya 50,00000, aap Debit Card se Zero Balance tak Transaction kar sakte hai. But Credit Card me aisa nahi hai. Credit Cards me apke Bank Account Balance se koi matlab nahi hota hai. Isme apko Bank ke dwara ek Cash limit milta hai. Aap unta hi cash ek Month me Spend (kharch) kar sakte hai. For Example- 100000/month

#2 Credit Card par Loan mil Jata hai, Jabki Debit Card par nahi milta:

Agar apka Credit Reputation accha hai. Aap apne Credit Card ka Payment Time to time pay karte hai. As well as aap Bank se accha khasha Trasantion karte hai. Toh Bank apke Credit Card par Loan or Finance ke liye khud Offer karta hai. Aur aap apne Credit Cards se bahut araam se Loan le sakte hai. But aap Debit Card se Loan nahi le sakte hai. Aap Debit Card se chahe jitne ka Trasaction kare. Bank apko Debit Card par Loan nahi dega.

#3 Debit Card Sabhi ko Mil jata hai, Jabki Credit Card Nahi milta:

Dosto aap dekhate honge , Debit Card or ATM Card sabhi ko Mile jata hai. But Credit Card sabhi ke pass nahi hota hai. Aap jante hai iska kya Reason hota hai. Agar nahi jante hai, toh mai apko batata hu. Debit Card apke Current Account par milta hai, Isliye jiske pass Account hota hai usse Debit Card Mil jata hai. But Credit Cards aapke Current Reputation, Salary par milta hai. As well as agar aapka Salary 20,000INR se Uper hai ya Aapka Reputation acha hai. For Example- Aap bank se hamesh accha khasha Len-den rakhate hai. Toh Bank apko Credit Cards ke liye Offer deta hai. Isliye Credit Card sabhi ko nahi mil pata hai.

#4 Credit Card se aap ATM Se Cash Withdraw Nahi kar sakte , Jabki Debit Card se Cash Withdraw Kar sakte hai:

Friends agar aap Credit Cards Holder hai. Toh aap ATM Machine se Cash Withdraw nahi kar sakte hai. Kyoki Credit Card ka use keval Cashless Payment System ke liye hota hai. But agar apke pass Debit Card hai, toh aap ATM Machine se Cash Withdraw kar sakte hai. As well as aap Debit Card Cashless Payment bhi kar sakte hai. Matlab Credit Cards ka Use Kevla Cashless payment ke liye hota hai. Jabki Debit Card ka use Cash aur Cashless dono tarah ke Payment ke liye Use kar sakte hai.

Conclusion:

Dosto Ummid karta hu ki apko Logo ko Credit Cards and Debit Cards ke bare me Basic Janakri mil gayi hogi. As well as apko ye bhi samjh me aa gya hoga ki Debit Card aur Credit Card ke kya-kya Benefit hai. Waise aaj kal International Debit Cards and Internation Credit Cards milane lage hai. Isse apko Money Transfer ke Problem bhi Solve ho gaya. Aap kahi bhi kisi deksh me jaye bus apke pass apka Debit Cards ya Credit Cards hona chahiye. Aap bahut Asaani ke sath inse Payment kar  sakte hai.

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