credit card kya hai?  credit card ke bar me puri jankari credit card kaise apply kare credit card ka istemal kaise kare credit card se related sawal jwab

ham iss post me credit card se related 5 baato par baat karenge:



1.credit card kya hai?


2. credit card kaise apply kare – online apply for credit card in hindi?

-credit card minimum salary kaya hai?

3. how to use credit card ka istimal kaise kare ki interest nahi dena pade.- advantage of credit card

4. credit card cibil score kaise improve kare?

5. credit card frequently asked question

1.credit card kya hota hai?
Credit card 1 payment card hota hai jo ki credit card provider ke dwara issue kiya jata hai. app credit card ke jariye koi bhi saman ko credit par purchase kar sakte hai. jyadatar log credit card ka use onlineune shoping karne ke liye karte hia. Credit card se jab app online payment karte hai. toh amount apke bank me se deduct nhi hota balki wo amount apke issuer account (credit card bank account) se deduct hota hai. it mean wo paise apne issuer bank se udhar liya hai jiskki apko baad me payment karni hoti hai.

 Example: agar app apple mobile 6i purchase karne ke soch rahe hai. jiska price 40000rs hai toh app credit card ke through isi puri payment kar sakte hia. Or app is phone ko installment me bhi kharid sakte hia. Installment ke case me apke credit card ke jariye uss phone ko kharidne ke liye 1 emi ban jayegi.

Hamre case me agar ham 4 installment banana chahte hia. Toh credit card ki 4 emi with interest lag kar ban jayegi.Credit card worldwide accepted kiya jata hai. app iska use karke koi sa bhi product online or offline shop par jakar buy kar skate hai.

Credit card ke main part kya hia?
Har credit card me kuch main point hote hai. yaha par ham un points ke bare me baate karenge jo ki har credit card rakhne wale insaan ko pata honi chahia.

1.credit card number- credit card number ko bank identification number (BIN) bhi bola jata hia.
2.card holder name
3.expirtion date
4.name of the bank on credit card.

Credit card orh debit card me kya difference hai.

Debit card kya hota hai?

Debit card apke bank account se connected hota hai. app jo kuch bhi kharidte hai jab apki online payment apne debit card se karte hai. toh wo amount apke bank account se deduct ho jata hai.

2. online procedure to apply for credit card in hindi:
abe me apko online credit card ke liye apply kaise karte hai uski puri process or procedure batane jaa rha hu. Yaha par ham icicdirect credit card open karne ke detail step bataynege. what is the procedure of making credit card online.

step1: google ke page ko open kar. orh icicicredit card application search kare.

step2: fir apke screen par kai search result hone. app icicicredit card ko select kare.

step3: now apne icici bank ki website open kar line. yaha par online credit card apply karne ke liye 4 option dikhai denge. (a)fuel, (b) shopping, (c) cashback and (d) travel. app apni jarurat ke accordingly apne liye best credit card ko select kar sakte hai.

step4:  apne needs ke according credit card chunne ke baad, app begin your application button ko select kare.

step5: ab apke samne online credit card apply karne ka form aa gya hai. isme apko ek ek karke sari information fill up karni hogi. like apka name, date of birth, address, agar appp working hai wo apko designation kya hai, etc.

step6: ye online credit card apply kanne ki process ka last step hai. jisme apko sanbhandhit bank ki term and conditions ko agree karna hota hai. iske baad app submit button ko select kare jisse apki online credit card application process complete ho jayegi.

credit card eligibility – what is the minimum salary to apply for credit card in icici bank:
: online credit card ke liye apply karne se pehle apko ye janne ki jarurat hai ki apki income credit card ke liye eligible hai or nahi. Har credit card bank kuch specif income decide karta hai. agar apki salary uss amount se jyada or barabar hai toh app credit card ke liye banwa sakte hai. yaha par ye question apke mind me aya hoga. Ki online credit card apply karne ke liye minimum salary kitni honi chahiye.

Apke iss quetoin ka answer dena bahut hi difficut hai. kyuki har bank ki alag alag minimum salary requirement hoti hai. kisi bank me apki salary 25000rs ho toh bhi apka credit card nhi ban pata. Toh kisi bank me apki 15000rs ki monthly salary par credit card ban jata hai. toh ye puri tarha bank ki credit card policy par depend karta hai ki wo kitni minimum salary par apke liye credit card banana ke liye tiryar hoti hai.

Yaha par apki monthly salary ke alawa kuch orh bhi factor hai. jo appki credit card ki eligibility ko nirdharit karte hai.

1.apki job full time hai or part time:
2.app kaha rehte hai
agar har ye upar diye gaye factors ko dhyan me rakhe toh. 1 baat ka niskarsh nikalta hai ki jo jyada salary earn kar raha hai, orh fixed job kar raha hai uske credit card banne ke jyada chances hote hai.but iska ye matlab nahi ki agar appki salary kam hai toh app credit card ke liye apply nahi kar sakte hai. agar app India me rehte hai orh kam salary ke bawajud bhi app apne liye credit card banwa sakte hai.

yaha par me apko apko kuch bank ki information dene jaa rha hu jo low salary person ko bhi credit card offer kar rahi hai.note: please kisi bhi bank me credit card apply karne se pehle. Uss bank me kitni Minimum salary ki reqirement hai conferm karle. Niche di gai salary limit time time par chang hoti rehti hai.

1.ICICI Bank: 12000rs per montly salary par apke liye credit card offer karti hai.

2.HDFC Bank Credit Card: hdfc bank me two type ke credit card offer kiye jate hai. gold and silver appki salary kamse kam 16000rs per month honi chahiye tab app hdfc bank me credit card ke liye apply kar sakte hai.

3.HSBC credit card- iss bank me credit card apply karne ke liye apki yearly I mean annul income 1,44,000 rs honi chahiye.

4.Axis bank credit card- axis bank me credit card banwane ke liye apki salary kamse kam 15000 montly honi chahiye.

5.bank of India: iss bank me sabse kam monty salary pa apka credit card ban jayega. Joki hai 7000rs per month.

6.canara bank credit card- agar ham canara bank ke credit card ki baat kare toh iss bank me minimum salary limit 200000 per annum hai.

7.kotak bank credit card- kotak bank credit card ka naam toh apne suna hi hoga. Iss bank ki facility achi hai. ye jyada credit provide karta hai. iski baje se yaha par minimum salary limit bhi comparatively jyada hai 300000 per annum or 25000rs per month.

8.corporation bank credit card- yaha par 2 lacs minimum annul income ke baad hi apka credit card ban sakta hai.

9.bank of baroda: agar bank of baroda ki baat ki jaye toh apki salary kamse kam 15000rs honi chahiye fir jakar app credit card ke liye apply kar sakte hai.

10.Andhra bank gold credit card- Andhra bank me credit card ke liye apply karne ke liye apki minimum salary 12000rs per month honi chahiye.

Yaha par 1 baat dhayan rakhne ki hai. agar appki minimum salary se jyada earn karte hai. toh iska ye matlab nahi ki appka credit card ban jayega. Apko apni salary ka proof bhi den hoga. Credit card bank wale apke apni salary ka proof me ye 3 chize mang sakte hai.

1.apki last 3 months ki salary slips
2.appki bank statement jaha par apki pichhale 3 month ki salary trasffer hoi ho.
3.apki last year ka income tax documents etc.


3. how to use cardit card ka istimal kaise kare ki interest nahi dena pade.


Credit card ko agar app thik tarha se use kare toh app iska kffi fayda ho sakta hai. yaha par apko bataye jayega ki app credit card ko kaise achi tarha use kare. orh credit card ke advantage or benefit bataye jayenge.
1.emi facility- advantage of credit card:
kya apko pata hai app apne credit card ke use karke online shoping kar sakte hai. yaha par apko product ki emi payment ki facility di jati hai. it mean app apne credit limit ke according koi bhi product kharid sakte hai. orh iske emi banwa sakte hai.
2. short term credit with zero percent interest- credit card ka advantage:

agar pko kuch dino or 1 month ke liye kuch paise udhar chahiye. Toh credit card apke liye best option hai. app apne credit card se 1 month ka loan le sakte hai. orh uske koi interst bhi nahi dena hoga. Almost sabhi credit card company 1 month ke liye credit deti hai wo bhi zero percent interest par. Appp bhi iss facility ka fayda utha sakte hai.
3.convenience to use- top advantages of credit card:

credit card use karne me easy hota hai. agar agar shopping kar rahe hai. orh apke pocket me cash khatam ho jaye. Toh app credit card se uski payment kar sakte hai. but debit card hone ki situation me apko atm me jana hoga paise ko nikalne ke liye.

4. credit card discount ke offers- credit card ke mukhye fayde:

agar apke pass 1 ache bank ka credit card hai toh apko time time par kuch special offer bhi milte rahenge. Example: apko diwali de festival par purchasing karne par discount mil sakta hai. yaha tak ki kuch company apke purchase ki gai amount ke based par incentive bhi deti hai.
5. purchase protection- karedit card ke advantages:

credit card small businessman ke liye kafi faydemand sabit hua hai. agar app credit card se apne kisis good ko purchase karne ke liye koi payment karte hai. orh apko woo goods milta nhi hi. I mean apke saath fraud ho jata hia.

Ase me apki credit card issue company kaffi help kar sakti hai. under section 75 of the consumer credit act, credit card ko issue karne wali company of credit card ko use kane wala dono equal responsibility lete hai kisi bhi prakar ke fraud ke case me. Appko agar koi fraud hua hai. toh app apne credit card company se iss fraud ke agaist me claim le sakte hai.

Disadvantage of credit card-credit card kya hai?
agar apko pata nhi ki credit card ka use kaise kare. aapp time par apne credit card ki payment nahi kar pate. Toh it mean apko kuch loss bhi bear karna padega. Yaha par ham credit card ke disadvantages ke bare me discuss karne wale hai.

1.over spending ki adaat bana deta hai:
agar apke paas credit card hai toh ye apko apni jarurat se jada karne ki aaddato ko badhawa dene wali baat hia. Kyuki apko 1 adaat dal jati hai jisme app chijo ko credit par kharidna shuru kar dete hai. same situation me agar apke paas credit card nhi hai. toh appp utane hi paise karch karenge jitna ki apne bank me balance hai. but credit card hone ke karan app extra paise bhi karch karne lagte hai.
2.heavy interest chages:
agar apko credit card ka sahi estimal karna nahi ata hai. apko thik time par apne udhar liye paise de nahi pate. Toh apko uss paiso par interest dena padta hai. normally ye interest rate market me personal loan ke jyada hota hia.
3.credit card charges:
credit card ka istimal karna bhi ek kala hai. agar app credit card ko thik tarike se use karna sikh jaye toh app. Iska sahi tarha se fayda uta sakte hai. jaise ki agar apko short term 7 day to 1 month ke liye loan ki jarurat hai. toh appp bina kisi papar work kiye or loan approve karaye apne credit card se 1 month tak kaa loan le sakte hai.

4. credit card cibil score kaise improve kare?
agar app credit card thik se use kare toh apke cibil score bhi acha hota hai. agar app apne bank ka credit card ki payment sahi time par karte hia. Orh apne purchasing emi, interest etc ko thik se payment karte hai. toh pak cibil score improve ho jata hai. ajkal mostly company cibil score ko dekhne ke baad hi kisi ko loan deti hai. ase me agar apka acha cibil score hai toh. Apko kisi bhi prakar ka loan lene me koi problem nhi hoti hai.



agar app kisi loan ke liye apply karte ho or app credit card banwane ke liye apply karte ho. Toh apka cibil score acha hona chahia. Ab ye question ata hai ki good cibil score kya hia. Agar apko 750 se jyada score milta hia toh it mean apka cibil score acha hai. app kisi bhi loan ke liye apply kare toh apke loan ke pass hone ke jyada chances hai.
tips for improving cibil score in hindi:
agar apka cibil me score acha nhi hai apko dar hai ki agar aap loan ke liye apply kare toh apka loan reject ho sakta hai. toh app niche di gai tips ko follow kar sakte hai. jiske use karne se apka cibil score improve ho jayega.
1. apni emi ki payment time par kare- credit card cibil score kaise imrove kare:
agar app apne cibil score ko improve karna chahte hai. toh ye 1 important point hai ki apko apne sare loan ki emi time par payment karni chahia. Agar app apne emi ki payment online kar rahe hai toh appko kamse kam 5 days pehle karni chahiye. Orh agar app apne loan ki emil ki payment check se kar rahe hai toh apko 12 days se pehle payment karni chahiye. Aksar dekha gaya hia ki logo ki shikayat hoti hai ki wo bolte hai ki unhone apni emi ka cheque due date se 3 din send kar diya tha. But payment na hone ke karan usko charges dena padta hai. apko emi check se payment karte time holidays ka bhi dhayan rakhna chaia.
2. credit card ko wisely use karna sikhe -credit card cibil score kaise imrove kare:
aksar dekha jata hai ki log credit card to asani se banwa leta hai. par wo uska use karna nahi jante. Wo ya toh jarurata se jyada credit card par loan le lete hai. orh unhe chages ka bhugtan karna padta hai. agar apko apne credit card ko wisely use karna sikhna hai. toh yaha par me apko ye tips dena chahunga. Apko apne credit card ki credit limit ka 40 to 50% tak hi use karna chahia. Takki jab payment ki baari aaye toh appp aasani se uska bhugtan kar sake. Agar app apne credit kard ko sahi istimal karna sikh jate hai. I mean app apne credit limit ko thik se use karte hai toh apna cibil automatically improve ho jayega.
3. don’t have more credit card- credit card cibil score kaise imrove kare:
jyada credit card ke banwane se apko kai fayde ho sakte hai. par agar app 1 se jyada credit card use karte hai. toh iske sath apko jayda responsibility bhi leni padti hai.
example: agar appne 5 banko me credit card banwa liya hai. orh har bank me apko 1 lack tak ki credit limit milti hai. it mean app 5 lacks tak ka credit le sakte hai. but jyada credit card hone ke kuch disadvantage bhi hai. jaise ki apko har credit card ki payment ki due date yaad karne me kafii problem ho sakti hia. Agar app thik time par payment nhi kar pate hai toh app interest pay karna padta hai. joki apke liye 1 ghate ka shoda sidh ho sakta hia. It mean apko apne cibil ko improve karne ke liye limited credit card use karna chahia. Takki app uski due date par payment kar sake orh apni responsibility ko achi tarha se nibha sake.
credit card frequently asked question:

1.Kya me credit card ko worldwide kahi bhi use kar sakta hu?


Yes, app apne bank ke credit card ko kahi bhi use kar sakte hai. agar app India me ho orh bahar ho, or kisi dusri country me ho. App ise bina kisi problem ke use kar sakte hai.

2. Me pane credit card se kisi shop par paymetnt kaise karu?
Ap apne credit card ko swipe karke kisi bhi shop par payment kar sakte hai. iske liye apko niche diye gaye step follow kane honge.
■credit card swipe karne wali machine me apne credit card dale.
■amount ko enter kare.
■ok button dawaye, orh tab tak credit card ko ko hataye nahi tab tak ki payment slip print na ho jaye.

3. Mene credit card ke liye apply kar diya hai. muje crdit card kitne days ke under milega?
Apko new credit card milne me kamse kam 20 se 30 din lag jayege.
4. Kya me apne credit card se online internet par expense pay kar sakta hu.

Ha app apne credit card ko use online shopping karne ke liye kar sakte hia. App anne credit card se online payment kar sakrte hai.

5. Credit card kho (lost) jaye or chori ho jaye toh kya kare?

Agar apko credit card lost ho gaya hai toh apko credit card customer care me call karke. Iss baat ki information deni chahiye. Iske alawa app apne online netbanking acoount me log in karke bhi apne lost or stolen credit card ki information de sakte hai.

6. Agar mera credit card decline kare toh me kya kar sakta hu?

Agar apka credit card decline kar raha hai. toh apko turant hi customer care se sampark karna chahiye. Credit card customer care apko puri help karegi.
7. Me apne credit card account me apni email id orh phone number ko kaise update karu?
Apko apne mobile number or email id ko update karne ke liye nearest branch banking me visit karne ki jarurat hai.
8. Agar muje kisi payment ko stop karana ho muje kya karna chahiye?
Agar app apne credit card se hui koi payment ko stop karana chahte hai. toh app credit card customer care ki puri help le sakte hia. Apko bass payment ko stop karane ke liye apne credit card ke customer care ko call karke batana hota hai.
9. Mere credit card ki credit limit kya hai orh agar me ise cross kru toh kya hoga?
Har credit card ki kuch na kuch limit hoti hai. jaise ki app 1 month me bas 90000 tak expence kar sakte hai. but kai bar asi situation bhi samne ati hai jab apko apne credit limit Se jyada kharch karna padta hia. Ase me appko kya charge dene honge.Agar app apne credit limit se jyada ka karcha karte hai. toh appne jo bhii exceeding expense kiya hai uske upar 2.5 se 4% tak ka interest dena hota hai.

Example: agar apko credit card ki credit limit 90000 se orh apne month me 140000 ka expense ki payment kar di hai. it mean apne apne credit limit joki 90000 se jyada kharch kiya hai. joki 50000rs hai.
10. Kya me apnie credit card ki limit ko increase kar sakta hu?
Agar apko lagta hai ki apne kharche badh rahe hai. app chahte hai ki apke credit card ki limit increase ho jaye. Toh app iske liye customer care se baat kar sakte hai.
11. Self set limit kya hai?
App apni credit card ki monthly spending limit ko set kar sakte hai. I mean agar app month me uss limit se jyada kharcha karne ki koshis karenge toh apka credit card automatically decline ho jayega.
12. Credit card par interest rate kaise calculate hota hai?
Credit card par interest rate bass usi case me lagta hai. jab card holder time se payment nhi kar pata hia. Iss case me customer ko transaction date se jab usne saman kharida tha orh settlement date tak ka interest dena padta hai.

Example : agar apne koi saman 1 jan ko purchase kiya hai. jiski payment apko 30 dino ke under I mean 30 jan tak karni thi. But kisi baje se app iski payment nhi kar paye. Orh apne ferbuary me end me 29 feb ko ko payment ki. Toh iss case me apko jab apne transation kiya tha 1 jan se settlement date jab apne payment kiya hai tak ka interest dena padta hai.
14. Credit card se related kuch full forms:
MAD full form- Minimum amount due
TAD full form- Total Amount due
TD- Transaction date
SD- Settlement date.

15. Me apne credit card ke bill ki payment kaise karu?
App apne credit card ki payment ke liye niche diya tarike apna sakte hai:

■app apne credit card ke bank account me cheque ke through payment kar sakte hai.
■app apne credit card company ke bank me jakar cash deposite kara sakte hai.
■app online apne saving account se apne credit card ki payment kar sakte hai.

16. auto debit facility kya hai?
auto debit facility use bolte hai. jab apke credit card ki payment directly apke bank se automatically ho jati hai. yaha par customer ke dwara clear instruction diye jate hai ki wo apne bank se apne credit card ki payment karwana chahta hai.

17. agar mene jo cheque apne credit card ki payment ke liye diya hai wo delay ho jaye toh kya hoga?

Agar apka cheque delay ho jaye toh. Appko late fees ke charges dene padte hia. Jisme apko jitney dino se payment delay hue hai uski payment deni hoti hai.

18. Credit card par payment karne ke liey One time password (otp) kaise generate kare?

Agar apke account icicidirect credit card me hai toh app apne credit card ki last 4 digt ko type karke. 5676766 par sms kar sakte hai. jisse apke mobile pa one time password aa jayega jiska ap use karte hue apne credit card ke through payment kar sakte hai.

19. App ane bank ki website par bhi jakar apne otp generate kar sakte hia.

Fir apko apne bank ka account number, wo kab tak valid hai orh date of birth sari information deni hogi. Jissa use karte hue apka one time password generate ho jayega.

agar apko ye post Credit card kya hai dedit online kaise apply kare procedure how to use istimal cibil score improve best tips minimum salary requirement in hindi acha lage. toh pleae iss post ko fb,whatsapp or google plus par jarur share kre.