Name: Credit Card Loon Ya Nahi | Personal Finance Gyan
Uploaded: 2025-01-18T15:37:56.101029+05:30
Duration: 3 min 58 s
Channel: Madhur Agarwal

Credit Card Loon Ya Nahi

Madhur Agarwal

Hello dosto, aaj ke Seekho App video mein Madhur aapke liye lekar aaye hain credit card ki deep insights. Video mein discuss kiya gaya hai ki kaise aap credit card se judi important points, rewards, aur budget management tips ko samajh sakte hain. Madhur ne bataya hai ki kaise instant purchases se lekar cashback rewards tak, credit cards ke numerous benefits hain. Saath hi, high interest rates aur hidden fees jaise nuksan se kaise bachein. Ye video aapko credit card use karne ke pro tips aur best practices sikhaayega, jisse aap apni financial health ko behtar bana sakte hain. Credit history improvement tips se lekar smart spending tak, sab kuch cover kiya gaya hai is video mein.
 
Thumb Rule hai- use credit card only if you can pay it by your debit card

Hello dosto mai hu Madhur, Welcome to Seekho Official Personal Fiannce Gyan Show,
Aaj laya hu ek naya episode jisme mai bataunga credit card ke baare me kuch ese points jo apko dhyan rakhne hote hai, use utilize karte waqt. Apni Finance ko, apne budget ko manage karne ke lie kuch ache tips taki app pehle hi sambhal ke chale.

1. Credit Card ke Benefits
Instant Purchases: Credit cards aapko turant kharidari ki suvidha deta hain. Aap apni daily needs ya emergency expenses ko asaani se manage kar sakte hain, bina paise diye. 
Rewards and Cashback: Amex, HDFC or SBI ye banks kafi ache rewards provide karti hai har transaction par, points me ya cashback me, mujhe 2500 ka free foucher mila hai amazon ka target achive karne par, to ye sabse bada fyada hai card ka.
Building Credit History: Credit card ka sahi use aapki credit score ko improve karne mein madad karta hai. Agar aap timely payments karte hain, toh yeh aapke future loan applications ke liye bhi fayda ho sakta hai.
2. Credit Card ke Risks
High Interest Rates: Agar aap apne outstanding balance ko full repay nahi karte, toh interest charges bahut high ho sakte hain. Yeh interest rate 30%-40% tak bhi ho sakta hai, jo quickly aapko financial pressure mein daal sakta hai.
Bad Habit: Credit card se talne ki adat pad jati hai, ek mahine ka free loan jab milta hai to laagta hai hum kuch bhi le skate hai. But nahi vo ek sath apko pay krna hoga.
Hidden Fees: Credit cards mein annual fees, late payment fees, foreign transaction fees aur over-limit fees bhi hoti hain. Kabhi aap card se jitna bachate nahi ho utna fees me uda dete ho.

3. Ab isko Judge kese karte hai- Right or wrong 
Agar muje apna 1000 ka cylinder lena hai mene credit card se book kar lia, then its a good spend, or mera phone toot gaya hai or muje card se 3 month ki no cost emi par mil ra hai to its a good spend.
Or agar mujehe koi headphone pasand aa gye 2000 ke jiski urgent jarurat nahi hai jiske lie abhi paise nahi hai, lein card se 1 month baad pay kr dunga, then its a bad spend.

 
Discover essential credit card tips with Madhur in this Seekho App video! Learn how to maximize rewards, manage budgets, and make the most of benefits like instant purchases and cashback from various banks like Axis Bank, HDFC, and American Express. Understand the importance of paying full amounts on time to build a good credit score and avoid pitfalls like high interest rates and hidden fees. Whether it's managing everyday expenses or choosing the right card, this video is packed with practical advice to enhance your financial knowledge. Don't miss out on these valuable insights that aren't taught in schools!

Hello dosto, aaj ke Seekho App video mein Madhur aapke liye lekar aaye hain credit card ki deep insights. Video mein discuss kiya gaya hai ki kaise aap credit card se judi important points, rewards, aur budget management tips ko samajh sakte hain. Madhur ne bataya hai ki kaise instant purchases se lekar cashback rewards tak, credit cards ke numerous benefits hain. Saath hi, high interest rates aur hidden fees jaise nuksan se kaise bachein. Ye video aapko credit card use karne ke pro tips aur best practices sikhaayega, jisse aap apni financial health ko behtar bana sakte hain. Credit history improvement tips se lekar smart spending tak, sab kuch cover kiya gaya hai is video mein.
 
Discover essential credit card tips with Madhur in this Seekho App video! Learn how to maximize rewards, manage budgets, and make the most of benefits like instant purchases and cashback from various banks like Axis Bank, HDFC, and American Express. Understand the importance of paying full amounts on time to build a good credit score and avoid pitfalls like high interest rates and hidden fees. Whether it's managing everyday expenses or choosing the right card, this video is packed with practical advice to enhance your financial knowledge. Don't miss out on these valuable insights that aren't taught in schools!

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