5 Things You Need to Know About Credit Cards in Hindi | By Ishan

What Is a Credit Card?: A credit card is a card that allows you to borrow money in small amounts at local merchants. You use the card to make your basic transactions.

The credit card company then charges you interest on your purchases, though there is generally a grace period of approximately thirty days before interest is charged if you do not carry your balance over from month to month. Credit cards have high interest rates and are considered a revolving line of credit that you can use again after you pay it down. Your credit card balance and payment history can affect your credit score.

A credit card is a line of credit you can access with your card.
Generally, you must sign on these purchases (exceptions may be at the gas pump or for small amounts at a drive-thru window).
You will pay interest on the purchases made if not paid off in thirty days.

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ANNUAL FEE: Exactly what it sounds like. It’s a fee you pay the credit card company to carry their product. Most cards don’t have an annual fee, but they’re common on cards that offer high rewards rates. Cards for people with average or bad credit are more likely to have a fee, as well.

REWARDS PROGRAM DETAILS: If you have a rewards credit card, this portion will spell out exactly how you earn and redeem your rewards. Read this section carefully. Many credit card rewards programs are fantastic, giving you cash back or points you can redeem for free travel. But others aren’t all they make out to be — paying minuscule rates or giving you rewards only for crummy merchandise you don’t want or gift cards you’ll never use.

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ISHAN LLB : 5 Things You Need to Know About Credit Cards in Hindi | By Ishan

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46 COMMENTS

  1. Sir hdfc ka credit card hai I m new user .sir galti mera birla health insurance kr diya hai.9000 /03saal ka hai mai use cancel kaise kru ?costumer care bol raha hai yeh ab cancel nahi ho sakta.pls sir ans me
    Or Watsaap me 8968395170

  2. Aapne do chis galat bataya he pehla due date reminder banks reminder bhejta he kamsekam 2 bar ( mujhe reminder msg milte he bank se ) dusra credit limit barne se annual fees badna yeh galat he mera first limit 16000 tha tha bhi 250 fees thi aaj 5 sal bad 186000 limit he aaj bhi 250 fees he mein 5 credit card use kar Raha hu 5 sal se koi bhi card ka fees increase nehin huya he sab eak hi hai pehle jo tha aaj bhi wohi he

  3. Mera new hdfc ka credit card aaya hai agar me flipcart ya snapdeal se koi prouduct leta hu emi per toh bank ko bolna parega ki emi bna do ya apne app jo plan hoga site me vo mil jaiga or extra paise toh nhi dene or hdfc bank me account nhi hai toh bill kha or kab bhare ge plzzz tell ya send your number

  4. Please let us know how…….not accept any credit card which send by any bank……how to block credit card……how to suspend credit card…….if I don't generate PIN, will it be still in active status……how to deactivate credit card…..is it possible through internet banking

  5. Very good sssssssssssssssssssss all jankari Sir very good sssssssssssssssssssss all jankari Sir very good sssssssssssssssssssss all jankari Sir very good sssssssssssssssssssss all jankari Sir very good sssssssssssssssssssss all jankari Sir very good sssssssssssssssssssss all jankari Sir very good sssssssssssssssssssss all jankari Sir

  6. Sir I want to open money lending business without any license…which documents need to take from borrowers? Blank cheque? Plain a4 blank page signature? Above 10/20/50/100 rs blank stamp paper signature with revenue stamp?

    After that if borrowers not back money what legal action can I take?
    Plz sir Help me ..thank You….

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