SBI Credit Card – Plastic Money (Merits and Demerits of Credit Card)
Digital Transaction की इस दौर में Credit Card की एक अलग ही पहचान बनी हुई हैं। मामला चाहे शौपिंग का हो या ATM Machine से Cash निकलने की, Credit Card की भूमिका कुछ अलग ही अहमियत रखता हैं। Credit Card देखने में तो ATM Card की तरह ही हैं लेकिन वास्तव में इसका कार्यशैली अलग तरीके का हैं। Credit Card, इसके शब्द में ही इसका परिभाषा छिपा हुआ हैं। Credit शब्द का Banking परिपेक्ष से देखा जाए तो यह Loan यानि उधार से संबंधित हैं। यानि Credit Card के माध्यम से एक तरह की Loan मुहैय्या कराया जाता हैं जिसका भुगतान हर महीने BILL PAYMENT के रूप में किया जाता हैं।
हम सभी जानते की बैंक द्वारा ग्राहकों को ATM CUM DEBIT CARD मुहैया कराया ही जाता हैं ! तो फिर Credit Card की जरूरत क्यों पड़ती हैं? जो ATM CUM DEBIT CARD ग्राहकों को प्राप्त होता हैं वह सीधा उनके account से जुड़ा हुआ होता हैं ! ATM CUM DEBIT CARD के माध्यम से जो भी लेन-देन होता हैं उससे जुड़े Account से भुगतान होता है ! अर्थात ATM CUM DEBIT CARD से किसी भी लेन-देन की रकम की राशी अकाउंट से कट जाता हैं ! तात्पर्य यह है की account पर रकम की शशि होने पर ही ATM CUM DEBIT CARD से लेन-देन संभव हैं।
Sbi credit card customer care 24×7 – 1800-11-2211 (toll-free), 1800-425-3800 (toll-free) or 080-26599990
ग्राहकों की Credit Card से होने वाली वाली लेन-देन, उनके बैंक अकाउंट से कोई सीधा सम्पर्क नही होता हैं ! SBI Credit Card एक तरह का Plastic Money हैं जिसे द्वारा ग्राहक उधार की तरह इस्तेमाल कर सकता हैं ! हर तरह के Credit Card की एक तय राशि निर्धारित होती हैं ! कोई भी Credit Card धारक निर्धारित तय राशि से ज्यादा लेन-देन नहीं कर सकता है ! उदहारण के तौर पर, मान लीजिए एक Card की निर्धारित तय राशि Rs 50000 हैं ! इसके मायने यह हुआ की इस Credit Card धारक अधिकतम Rs 50000 तक का ही लेन-देन कर सकता हैं ! और इससे अधिक राशि की लेन-देन नहीं कर पायेगा !
इसके अलावा जो भी निर्धारित तय राशी पर लेन-देन होगा, उसका BILL अगले महीने प्राप्त होगा जिसका भुगतान एक निशित तय समय सीमा के अंदर करना होगा। अगर ऐसा नहीं कर पाते है तो और अतिरिक्त शुल्क के साथ तय समय सीमा के बाद भुगतान करना पड़ता हैं। अच्छे लेन-देन करने की स्थिति में और तय समय सीमा के अन्दर भुगतान करने पर Credit Card की निर्धारित तय राशि को भी बढ़ा दिया जाता है जिससे ग्राहकों को ज्यादा लेन-देन करने की और सहूलियत मिल जाता हैं।
Sbi credit card customer care 24×7 – 1800-11-2211 (toll-free), 1800-425-3800 (toll-free) or 080-26599990
Credit Card वेतन भोगी व्यक्ति और व्यापारी वर्ग के लोगों के साथ साथ विद्यार्थी को भी जारी किया जाता हैं ! इसके लिए online आवेदन कर सकते हैं या बैंक के द्वारा भी जारी होता हैं ! नियम और शर्ते को पूरा करने पर ग्राहकों को SBI Credit Card मुहैया कराया जाता हैं ! वैसे Credit Card के इस्तेमाल सही तरीके से करने पर कोई समस्या नही आएगी ! अगर आप कोई सामान Credit Card से खरीदते हैं तो EMI (Equated Monthly Installment) भुगतान का सुविधा मिलेगा ! इसके अलावा online shopping पर इस्तेमाल होने से Freedom Rewards Point भी मिलेंगे जो Cash Back के रूप में प्राप्त किया जा सकता है ! जितनी राशी की Cash Back प्राप्त होगा, उतनी ही राशि की Bill भुगतान अगले महीने कम देने पड़ेंगे !
Credit Card के इस्तेमाल सही तरीके से न होने पर परेशानी भी हो सकती हैं ! अगर किसी कारणवश या किसी विशेष परिस्थिति में Credit Card के द्वारा ATM Machine से Cash withdrawal हो जाता है तो तत्काल प्रभाव से Penalty Charge लागु हो जाता है जिसको Bill Payment के माध्यम से भुगतान करना पड़ता हैं। Credit Card धारकों को ऐसी स्थिति में नुकसान ही होता हैं। इसके अलावा Credit Card के खो जाने पर और किसी गलत व्यक्ति के हत्थे चढ़ जाने से अगर International Shopping हो जाती हैं तो बिना OTP (One Time Password) के ही लेन-देन सफलतापूर्वक पूरा हो जायेगा। ऐसी स्थिति में Credit Card धारकों को नुकसान से बचने के लिए Customer Care द्वारा Card को block करने के सिवाई और कोई विकल्प नही रहता।
Sbi credit card customer care 24×7 – 1800-11-2211 (toll-free), 1800-425-3800 (toll-free) or 080-26599990
सचेत रहें, सुरक्षित रहे, सुरक्षित रखें, Credit Card का सही इस्तेमाल करे और इसका भरपूर फायदा उठाए।
In the world of Digital Transaction, Credit Card has its own distinct identity. The role of a Credit Card during Shopping and withdrawal of cash from an ATM machine is of immense importance. Although Credit Card is similar to ATM cum DEBIT Card, but in reality its working style is different. Definition of Credit is hidden in its word itself. In terms of Banking, the word Credit is related to Loan. So, we can say that Credit Card holders can avail Loan Type Facility from it. Credit Card holders can use it for Shopping as well as Cash Withdrawal too. However, any Credit Card holders need to make the payment of the Bill (Credit Card Bill Payment) against the same on monthly basis.
The ATM CUM DEBIT CARD, provided to the customers have linked bank account. Transaction done through ATM CUM DEBIT CARD is directly linked with bank account. Accordingly the amount will be debited from linked account. Prior to transactions done through ATM CUM DEBIT CARD, one must have enough balance in their linked bank account. But, this is not the case of Credit Card which is its unique feature and makes it different from ATM cum Debit Card.
Sbi credit card customer care 24×7 – 1800-11-2211 (toll-free), 1800-425-3800 (toll-free) or 080-26599990
Credit Card has no direct link with bank account. It is a kind of plastic money through which customers can use it as a loan type or overdraft facility. However, the transaction amount is fixed on the card beyond which transaction there will be no transaction to carry out further. For example, if the maximum transaction limit fixed for a Credit Card is Rs 50000 then it means that the holder of this credit card can do transactions up to a maximum of Rs 50000 only and will not be able to transact more than this amount.
The Credit Card Bill for payment will be received on next month against the transaction done on previous month and needs to be paid within the stipulated time period, failing to which there will be penalty charge too if paid after expiry of due date. In case of good transactions and Bill Payment done within the prescribed time period, the maximum transaction limit fixed for the Credit Card will also gets increased, which gives customers a more and better flexibility to do more transactions.
Sbi credit card customer care 24×7 – 1800-11-2211 (toll-free), 1800-425-3800 (toll-free) or 080-26599990
Credit Cards issued to salaried persons and business class people as well as students. One can apply for this online or can approach the bank for issuance. Credit cards are provided to the customers subject to fulfillment of terms and conditions. However, one should be careful to use the credit card in a proper way and in the right direction. Purchasing of good using Credit Card can avail EMI (Equated Monthly Installment) payment facility. Apart from this, there are accumulation of Freedom Rewards Point against online shopping. One can redeem these points by calling Customer Care as Cash Back. The amount of cash back received will be adjusted during Credit Card Bill payment.
Credit Card Holders may face problems if not used properly in the right direction. Under special circumstances, there is compulsion to withdraw cash from ATM machine using credit card. In doing so, Penalty Charge impose on it with immediate effect. The Penalty Charge will have to pay during Credit Card Bill Payment. So, it will be a loss only. Apart from this, on account of loss of credit card and its further possession by any person, attemppts to do international shopping, can perfom transaction without OTP (One Time Password). In such a situation, there is no other option but to block the card by the customer care to avoid further loss to the credit cardholders.
Stay alert, stay safe, keep safe, use credit card properly and take full advantage of it.
SBI Credit Card –
It is also refer to as Plastic Money. The word Credit itself is self-explanatory which referred to Loan. It is a type of card which is provided to Salaried Person, Businessman and even student. The Credit Card issue is in accordance with fulfillment of various terms and conditions of service providers/banks. In order to get a Credit Card, one needs to visit Bank Branch or can apply online for the same.
Cashless Transaction through Credit Cardfor Shopping, Online Payment, etc increases day by day. For this, the Credit Holders avail Cash Back Offer/Redeem Points too.
The bank or service provider can realize an annual maintenance fee against the CREDIT CARD issued to the individual.
The Limit Amount set in the credit Card depends on the salary of the salaried person or the income of the businessman. However, if any individual is using his/her credit card in a regular way and monthly bill payment done within the stipulated time period then there will be increase in the limit amount of the credit card in further due course of time.
If any individual is unable to pay the monthly bill of Credit Card within the stipulated time period then he/she has to pay the Bill of his/her credit card after the due date along with a higher Interest Rate laid down by the service provider/bank. So, it is advisable to use Credit Card in a benefitting manner in the form of Cash Back or Redeem Points.
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