Credit card ek financial service hai jo aapko udhar par shopping karne ki facility deti hai. Ye banks dwara issue kiya jata hai aur aapko ek pre-determined credit limit tak paise udhar lene ki permission deta hai. Credit card holder ke roop mein, aap iska use online aur offline, har tarah ke payments ke liye kar sakte hain, bina aapke bank account se koi amount debit kiye.
Jab aap payment ke liye apne credit card ka use karte hain, to issuer aam taur par aapki taraf se merchants ko payment karta hai aur baad mein aapko ek bill bhejta hai. Ye bill har mahine ek fixed date, jise billing date kehte hain, par generate hota hai aur isme aapke saare transactions ka detail aur amount ki due date shamil hoti hai. Apne credit card ke kharchon par interest se bachne ke liye aapko bill ka full payment karna hoga.
Credit card reward points, cashback aur shopping par discounts jaise benefits bhi provide karte hain. Apne card ka responsible use karke, aap bina debt liye apne finances ko manage kar sakte hain.
Credit Card ma Kiya hota Hain?
Credit card ek awesome facility hai jo aapko apni Online ya Offline shopping ke liye bina cash payment karne ki facility deta hai.
Aaiye isko detail mein samajhte hain. Ek credit card mein ye cheezein hoti hain:
- Ek number jo ise unique banata hai
- Ek expiry date
- Cardholder ka naam
- Visa ya Mastercard ka logo — ye dono companies credit card transactions ko process karne ke liye basic infrastructure aur system provide karte hain
Credit card ke peeche hota hai:
- Ek magnetic strip ya chip
- CVV number — ye online transactions ke liye zaroori hai
Credit Card Kaise Kaam Karta Hai?
Jab aap store mein apne credit card ka use karte hain, to ye process hoti hai:
Step 1: Aapne apne favorite store se shopping complete kar li aur checkout ke time apna credit card use kiya. Merchant aapke card ko swipe karega ya POS (Point of Sale) terminal mein insert karega. Zyada cases mein, store aapse transaction verify karne ke liye PIN enter karne ke liye kahega.
Step 2: Machine strip ya chip (jisme card ki info hoti hai) ko read karti hai aur PIN ke sath info aapke issuing bank (jaise aapke paas HDFC bank ka credit card hai to HDFC bank) ko bhejti hai. Agar sab correct hai (credit limit, ID, validity etc.), bank purchase ko approve kar deta hai.
Step 3: Agar transaction approve ho jata hai, to machine do receipt print karti hai: ek merchant ke paas aur ek aapke liye. Kabhi-kabhi, jab PIN ki zaroorat nahi hoti, to merchant aapse charge slip par signature karne ke liye kahega.
Aapko next statement mein transaction ka bill bheja jata hai aur merchant ko kuch din baad paisa mil jata hai. Ye pura process Visa ya Mastercard system aur technology ke sath smoothly kaam karta hai.
Online Credit Card Kaise Kaam Karta Hai?
Online shopping ke liye payment karte waqt, online store aapse ye details maangega:
- Visa ya Mastercard choose karein
- 16 digit card number
- Expiry date
- CVV
- Card par likha naam
- Billing address (kabhi-kabhi)
Payment ke time, ye information ek payment gateway ke through aapke bank ko bheji jaati hai. Bank transaction confirm karne ke liye aapke registered email ya mobile number par OTP (One-Time Password) bhejta hai. Agar OTP sahi hai, to transaction complete ho jata hai.
Important Terms Jo Credit Card Samajhne Mein Help Karte Hain:
Interest: Ye credit card ka important aspect hai. Jab aap credit card use karte hain, to aapko issuer se udhar paisa milta hai. Ye ek loan jaisa hota hai jiske liye aapko interest dena pad sakta hai. Ye sirf tab apply hota hai jab aap bill ka full payment nahi karte. Agar aap koi amount due chhod dete hain, to aapse interest charge kiya jayega. Credit card ka interest yearly nahi, balki monthly basis par liya jata hai. Example ke liye, interest 3% monthly ya approx 36% annually ho sakta hai.
Credit Limit: Har credit card ki ek maximum limit hoti hai jise aap cross nahi kar sakte. Agar aap limit ke baad card use karne ki koshish karte hain, to issuer transaction reject kar sakta hai. Credit limit kai factors par depend karti hai: card type, aapki income aur repayment capacity, aapka koi aur loan, aapka credit score, aur timely payment ka history. Agar aapka credit history acha hai, to issuer aapko credit limit provide karega.
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