Pehli Naukri Mein Credit Card Ke Hidden Dangers Aur Safe Use

Smart Money

Pehli Naukri Mein Credit Card:
Hidden Dangers Aur Safe Use

Plastic ka ye tukda apki life bana bhi sakta hai aur bigad bhi sakta hai.

"Jeb mein Credit Card hone se 'Power' feel hoti hai, par agar sambhal kar nahi chalaya toh ye power 'Current' bhi maar sakti hai." Image Source: Financial Illustration

Jaise hi aapki salary account mein credit hoti hai, agle hi hafte aapke paas bank walon ke phone aane shuru ho jate hain—"Sir, aapko Lifetime Free Credit Card mil raha hai, le lijiye."

Jab wo shiny plastic ka card haath mein aata hai, toh lagta hai hum ameer ho gaye. Achanak jo iPhone 50,000 ka mehnga lag raha tha, wo EMI par 2,500 ka sasta lagne lagta hai. Yahi wo moment hai jahan se khel shuru hota hai.

Main saaf shabdon mein kahunga: Credit Card 'Aag' (Fire) ki tarah hai. Isse aap khana bhi paka sakte hain aur apna ghar bhi jala sakte hain. Fark sirf is baat ka hai ki aap ise use kaise karte hain.

"Credit Card bank ka diya hua tohfa nahi, ek loan hai. Aur loan wapas karte waqt agar deri huyi, toh bank aapse wo sood (interest) lega jo sahukaron se bhi zyada hota hai."

Toh Kya Credit Card Na Lein?

Bilkul nahi! Maine khud Credit Card ke points se free flight tickets book ki hain aur kaafi cashback kamaya hai. Agar aap smart hain, toh bank aapko pay karega card use karne ke liye. Agar aap careless hain, toh aap bank ko pay karenge.

Golden Rules: Ise 'Dost' Banane Ke Liye

Agar pehla card le rahe ho, toh ye 4 baatein gaanth baandh lo:

💀

The 'Minimum Due' Trap

Bill aane par do option dikhenge: 'Total Amount' aur 'Minimum Due'. Galti se bhi Minimum Due mat bharna. Bank is par 40% tak ka interest lagata hai. Ye karze ka chakravyuh hai.

🏆

CIBIL Score Ka Jaadoo

Agar aap time par bill bharte hain, toh aapka CIBIL score badhta hai. Future mein jab Home Loan ya Car Loan lene jaoge, toh bank aapko saste rate par loan dega.

📊

The 30% Rule

Agar limit 1 lakh hai, toh koshish karo ki kharcha 30,000 se upar na jaye. Poori limit use karne se bank ko lagta hai aap "Credit Hungry" (bhukhe) hain, aur score gir sakta hai.

🍕

No EMI for Pizza

EMI sirf "Assets" ke liye honi chahiye (Laptop, Education). Kapde, Khana, aur Party ke liye EMI karwana apne future ki salary ko aaj hi jala dene jaisa hai.

Mera Experience

Mujhe yaad hai, maine apne pehle card se doston ko impress karne ke liye ek mehengi ghadi li thi. Agle 6 mahine tak main salary aate hi uska bill bharta raha. Us din mujhe realise hua ki wo ghadi mere haath mein nahi, main us ghadi ke haath mein bandh gaya tha.

Credit Card ko debit card samajh kar use karo—yani khareedo wahi jiske paise already account mein hain. Bas payment card se karo points ke liye.

Yaad rakhna, bank aapki galti ka intezaar kar raha hai. Use wo mauka mat dena.