Credit Card ke Sath Ye 10 Galtiyaan Na Karein

Credit card ka sahi istemaal karne se aapki credit score badhti hai aur cheezon ko khareedna aasan ho jata hai. Lekin credit card ka galat istemaal aapke liye financial liability ban sakta hai. Agar aap ek payment miss kar dete hai, to aapko late fee charge kiya jayega aur aapka credit score bhi ghat jayega. Ek accha credit score banaye rakhne ke liye, aap hamesha savdhaan rahna chahiye. Aam taur par, aapko apna credit score 750 mein maintain karna hai aur agar yah ghat jata hai to iska asar aapki creditworthiness ki saboot hai.

Is article mein, hum aapko batayenge ki aap kaise apna credit card sahi istemaal kar sakte hai aur credit card se hone wali major mistakes jo aapko nahi karni chahiye.

Agar aap ek naye credit card user hai, to aapko in mistakes ke baare mein jaan lena chahiye aur unhe avoid karne ki koshish karni chahiye. Agar aap credit card ko lambe samay se istemaal kar rahe hai, to aapko shayad abhi bhi yah mistakes kar rahe honge. Isliye, yah article dhyan se padhna, jaruri points note karna aur apne credit score ko build karne ke liye in mistakes se bache rehna bahut mahatvapurna hai.

1: Customer Care se Annual Fees ke Baare mein Baat Na karna

Bahut se log apne credit card ke annual fees ko customer care executive ke saath discuss kiye bina hi pay kar dete hai, jo ek badi mistake hai.

Aap apne credit card ke annual fees par negotiation kar sakte hai aur 70% card issuers is baat ko allow karte hai.

Isliye, apne renewal se pehle hamesha customer care executive se baat karen aur annual fees ko remove ya negotiation ke liye request karen. Is tarah, aap bahut saara paisa bacha sakte hai aur card issuer aapke annual fees ko remove kar dene ke bhi chances hai.

2: Credit Limit Badhane ka Na sochna

Dusri badi mistake yah hai ki bahut se log apne credit limit ko badhane ka khyal nahi rakhte hai.

Lekin yah sahi sirf unke liye hai jo apne credit card ki kharch ko control kar sakte hai. Agar aap kisi aise vyakti hai jo apne credit card ke kharch ko control nahi kar pate hai, to yah mistake aapke liye nahi hai.

Apne credit limit ko badhana ajeeb lagta hai, lekin yadi aapke paas apne credit limit par control hai, to credit limit bahut mahatvapurna nahi hai kyunki aap apne paise ko kharch karte waqt savdhaan rahenge.

Agar aap har mahine Rs. 20,000 kharch karte hain aur aapka credit limit Rs. 50,000 hai, to aapka utilization rate 40% ho jata hai. Lekin agar aap apne credit limit ko Rs. 5 lakh tak badha dete hain, to aapka utilization rate sirf 4% ho jata hai.

4% utilization rate aapke credit score ke liye 40% utilization rate se bahut behtar hai. Jab aap apna credit limit badhate hain, to aapka credit score behtar hota hai, aur yah bilkul muft hai!

3: Kuch saal baad Premium Credit Card ko upgrade na karna

Premium credit cards ke adhik limit hoti hai aur card issuers naye customers par unpar vishwas nahi karte hain. Lekin aap apne credit card ko kuch samay tak use karke, apne credit card bills samay par bharte rahne aur kisi payment ko chhodne se bachne se apne card issuers ke vishwas ko jeet sakte hain.

Ek saal ya do saal baad, aap apne card issuer se premium credit card ko issue karne ke liye upgrade karne ke liye pooch sakte hain.

Aam taur par, card issuers aapke credit card ko upgrade karte hain yadi ve dekhte hain ki aap jimmedari se apna credit card aur bills sambhalte hain. Isliye, aap hamesha credit card ko upgrade karne ke liye poochna chahiye.

4: Apne Reward Points ka upyog na karna

Lagbhag 40% log apne reward points ka upyog nahi karte hain, aur yah ek galti hai. Reward points bahut se fayde pradan karte hain, aur unka upyog na karna un faydo se vanchit hone ka matlab hai.

Reward points ka samay seema hota hai, aam taur par do se teen saal ke baad. Isliye, jab bhi aap koi reward points paate hain, unki samay seema ko check karein aur unka sahi upyog karein. Yah bhi dhyan rakhein ki aap apne reward points ka pura upyog karein.

5: Cash Advance Feature ka upyog karna

Credit card ke cash advance feature ka upyog karke users ko ATM ya bank se paise nikalne ki suvidha pradan ki jaati hai. Jabki yah suvidha sambhav lagti hai, yah credit card ka sabse mahanga feature hai.

Jab aap is feature ka upyog karte hain, to aapko bahut adhik interest rate se charge kiya jata hai, jise aam taur par 25% se 30% ya usse bhi adhik hota hai, card issuer ke anusaar.

Aur, is feature se judi aur bhi fees ho sakti hai jaise ki ek transaction fee ya ATM fee. Aapko suggest kiya jata hai ki cash advance feature ka upyog sirf tab hi karein jab aapke paas koi dusra vikalp nahi ho aur ek zaroori emergency ho.

6: Purane Credit Card Accounts Band Kar Dena

Purane credit card accounts band kar dena aapke credit score par ek negative prabhav daal sakta hai. Aapke credit score ka ek factor aapke credit history ka samay avadhi hai.

Jitni lambi aapki credit history hogi, aapke credit score ke liye utna hi achha hoga. Agar aap ek purane credit card account ko band kar dete hain, to aap effectively apni credit history ki lambai ko ghata rahe hain, jo aapke credit score par negative prabhav daal sakta hai.

Iske alava, ek credit card account band kar dena aapki credit utilization ratio ko bhi badha sakta hai, jo aapke credit score par doosra factor hai. Isliye, aapko salah di jati hai ki aap apne purane credit card accounts ko khula rakhein, chahe aap unhe niyamit roop se istemaal na karein.

7: Fraudulent Charges Ko Ignore Karna

Credit card fraud ek aam samasya hai, aur aapke credit card transactions par nazar rakhna mahatvapurn hai, taki kisi bhi fraudulent charge ko pehchaan sakein.

Agar aapke credit card ka statement par kisi anumodit charge ko pata chalta hai, to aapko turant apne card issuer ko report karna chahiye.

Fraudulent charges ko ignore karna aapke credit score ke sath-sath aapki arthik sthiti par bhi negative prabhav daal sakta hai. Kuch cases mein, fraudulent charges samay ke saath accumulate ho jate hain aur ek bada karz ban jaate hain, jise chukana mushkil ho sakta hai.

8: Apne Credit Score Ko Monitor Nahi Karna

Aapka credit score aapki kreditiyo ke mulyankan ka mahatvapurn sanket hai, aur aapko niyamit taur par use monitor karna mahatvapurn hai. Ek achha credit score aapko loan, credit card, aur doosre arthik utpadon ke liye saksham bana sakta hai, jiske shart aur sharton mein labhdayak hon.

Dusri taraf, ek kharab credit score aapko adhik byaj dar, kam credit limit, aur credit ke mana karne tak ka samna karne ke liye majboor kar sakta hai. Isliye, aapko apne credit score ko niyamit taur par monitor karna aur agar wo theek nahi hai to use sudhaarne ke liye kadam uthana salah diya jata hai.

9: Credit Card Limit Se Zyada Kharcha Karna

Agar aap apne credit card ke maximum limit tak kharcha kar dete ho to yeh aapke credit score aur financial sthirta ke liye khatarnak ho sakta hai. Jab aap apne credit card limit ko poora kar dete ho, tab aapka credit utilization ratio 100% ho jata hai, jisse aapke credit score par bura asar padta hai.

Saath hi, aapko na bhare balance par high-interest rate bhi lagta hai, jisse aap debt trap mein fas sakte ho. Isliye, credit card limit ko poora na kare aur apna credit utilization ratio 30% se kam rakhe.

10: Samay Par Bill Bhugtan Na Karna

Sabse bada galti yeh hai ki log apne credit card bills ko samay par nahi bharte hain. Agar aap kisi bhi payment ko chhod denge, to aapko late fee deni hogi aur aapka credit score bhi gir sakta hai.

Saath hi, aapke na bhare balance par interest rate bhi badh jata hai, jisse aap debt trap mein fas sakte ho. Is galti se bachne ke liye, hamesha samay par apne bills bharte rahe, aur yadi ho sake toh minimum bhugtan ke badle adhik bhugtan kare taaki aapke interest charges kam ho.

Saransh mein, credit card sahi tarike se upyog kiya jaye toh yeh ek acchi dhanraashi ho sakta hai, lekin yadi aap galat tarike se upyog karenge toh yeh ek dhanik haani ho sakta hai. Credit card ke galti se bachne ke liye, hamesha samay par bill bharein, apna credit score monitor karein, credit card limit ko poora na karein, apne reward points ka istemaal karein, apne purane credit card account ko khole rakhein, dhokhebazi charges ko report karein, apne varshik shulk par bartaav karein, apne credit limit ko badhayein aur apna credit card upgrade karein. Yeh saare tips follow karke, aap apna credit score badha sakte hai aur dhanraashi sthirta ka anubhav kar sakte hai.

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