Credit card ek prakar ka financial instrument hai jo banks ya financial institutions dwara diya jata hai aur iska upayog vyavsayik ya vyaktigat kharidariyon ke liye kiya jata hai. Is article mein hum credit card ke prakar, upyog, labh aur haniyan, aur iska sahi istemal kaise kiya jaye, is bare mein vistar se baat karenge.
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**Prarambhik Jaankari:**
Credit card ek plastic card hota hai jo ek bank ya financial institution dwara pradan kiya jata hai aur jisse vyakti aisa saman ya seva kharid sakta hai jise vah paise uplabdh hone par kharid sakta hai, parntu turant paisa nahi dena padta hai. Credit card upbhokta ko ek nishchit limit tak vyavsayik aur vyaktigat vyay karne ki anumati deta hai, jise vah baad mein bharta hai.
**Credit Card Ke Prakar:**
1. **Pratishthit Credit Cards:** Visa, MasterCard, American Express jaise bade brendon dwara pradan kiye jate hain.
2. **Rewards Credit Cards:** Inmein upbhokta ko vyaparik ya vyaktigat kharch par cashback, air miles ya anya prakar ke pradarshan prapt hote hain.
3. **Balance Transfer Credit Cards:** Inka upayog doosre credit card ke karz ko bharte samay kiya jata hai.
4. **Secured Credit Cards:** Inmein prapti anumati dene ke liye surakshit dhanrashi ke roop mein jama ki gayi suraksha jama hoti hai.
**Credit Card Ke Labh:**
1. **Samay Ke Anusar Udharan:** Yeh samay ke anusar udharan dene ke liye pratinidhitva karta hai.
2. **Cashback aur Rewards:** Vyavsayik ya vyaktigat vyay ke prakriya mein anumati deta hai.
3. **Emergency Funds:** Achanak vyay ke liye atirikt punji pradan karta hai.
**Credit Card Ke Haniyan:**
1. **High-Interest Rates:** Anupatik roop se uchch byaj dar pradan kar sakta hai.
2. **Debt Accumulation:** Udharan ka samay ke anusar adhik hone par samuday mein rashi ka prashasan karne mein asam
arth ho sakta hai.