?्?े?ि? ?ा?्? ?ा ??ा?ं?्?: ?ै?े ??ें ??्?े?ा? ?ि?ा ?ु? ??े?ा? (How to Use a Credit Card Without Getting Screwed)
??े ?ो?्?ों, ??ी ??ा ?ु? ?ै ?ि ?? ?ॉ?िं? ?े ?ू? ?ें ?ों, ?े?ि? ?े? ?ें ?ि?्? ??ा ?ी ?ू? ??ी ?ो? ?ा ?ि? ??ा?? ?ो? ??ू?ी ??्? ? ?ा? ?? ???ी ?ि?ो?ी ?ा?ा ??ा?? ?ु?्?ी ??ा?े ??ी ?ा?? ???ा?? ??! ??े ?ी ??ि?्?ि?ि?ों ?े ?ि???े ?े ?ि? ?ो ??ा ?ै ??ा?ा ?्?ा?ा ?्?े?ि? ?ा?्? (Credit Card)!
?े?ि? ?े ?्?ा?्?ि? ?ा ?ा?ू?? (Plastic ka Jadugar) ?ै, ??्?े?ा? ???ा ?ी??ा ?ी ??ू?ी ?ै. ???ा ?े ?ा??े ?ी ??? ?ँ?ा ?े?ा, ?ो ?ि? "?ा? ?े ?ा?" ?ी ?ा?ा ??़े?ा!
Tip: Break long posts into short reading sessions.
?ो ??ि? ?? ?ी??े ?ैं ?ि ?ै?े ??ें ?्?े?ि? ?ा?्? ?ा ??्?े?ा? ?ु?ँ?ा?, ?ि?ा ?ँ?े ??ा? (Use Your Credit Card Like a Boss, Without Getting into Trouble)!
Tip: Watch for summary phrases — they give the gist.
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| How To Use Credit Card Hindi |
1. ???ो ???ा ?ा?: ?्?े?ि? ?ा?्? ?ी ??ी?ी?ी (Know Your Friend: The ABCs of Credit Cards)
- ?्?े?ि? ?ि?ि? (Credit Limit): ?े ?ो ?ा?ु? ?ं?? ?ै ?ो ??ा?ा ?ै ?ि ?? ?? ?ा?्? ?े ?ि??ा ??्? ?? ???े ?ैं. ?े ?ी?ा ?ा ?ाँ?ें, ???ा ?्?ा? ?े ?ा?? ???ा ?ी?ा ??ीं ?ो?़ें?े!
- ?ि?िं? ?ा??ि? (Billing Cycle): ?े ?ो ??? ?ो?ा ?ै ?? ?ैं? ???ा ??्? ?ा ?ि?ा? ?े?? ?ि? ?े??ा ?ै. ?? ?ौ?ा? ?ि?ा ??ा ??्? ???े ?ि? ?ें ?ु?़ ?ा??ा.
- ?्?े? ?ी?ि?? (Grace Period): ?े ?ो ?ा?ु? ??? ?ो?ा ?ै, ?? ?? ?ि? ?ि??े ?े ?ा? ?ि?ा ?्?ा? ?ि? ?े?ें? ?? ???े ?ैं. ??े ?ु?ा?े ?ा ?ौ?ा ?ा ?ू?ें!
2. ??्? ???े ?े ???े ?ो?ो ?ो?़ा (Think Before You Swipe)
- ??ू?? ?ै ?ा ?ौ?? (Need or Want?): ??ू?ी ?ी?ों ?े ?ि? ?ी ?ा?्? ?ा ??्?े?ा? ??ें. ?ि?्? ?ौ?ि?ा ??ी?ा?ी ?े ?ि? ??े ?? ?्?ा?? ??ें, ???ा ?ा? ?ें ???ा?ा ??़े?ा.
- ??? ??ा? ?? ???ें ??ो (Make a Budget and Stick to It): ??्? ???े ?े ???े ?? ??? ??ा?ं ?? ??ी ?े ?ि?ा? ?े ?ा?्? ?ा ??्?े?ा? ??ें. ?ा? ??ें, ?? ??ा? ?े ??े ?ैं, ??े ?ु?ा?ा ?ी ???ी ?ि?्?े?ा?ी ?ै.
3. ??? ?? ??ो ?ु??ा?, ??ीं ?ो ??़े?ा ?ो? (Pay on Time, Avoid the Burden)
- ?ि? ??े ?ी ??ें ?े?ें? (Pay Your Bill as Soon as it Arrives): ?ि? ?ो ????ं?ा? ?? ??ें. ?े?ी ?े ?े?ें? ???े ?? ???ो ?ा?ी ?्?ा? ?? ?े??्?ी ?? ???ी ?ै.
- ??ो-?े ?े? ?? ?ें (Set Up Auto-Pay): ??ो-?े ?ी ?ु?ि?ा ?ा ??्?े?ा? ??ें. ???े ???ी ?े?ें? ??? ?? ?ो ?ा??ी ?? ???ो ?ू? ?ा ?ं?? ??ीं ??े?ा.
4. ?ु??्?ा ??ें ?्?ा? (Stay Safe and Secure)
- ???ा ?ि? ?ो??ी? ??ें (Keep Your PIN Confidential): ???ा ?ि? ?ि?ी ?ो ?ा ??ा?ं ?? ??ी?? ?ा ?ि?ी ?ु?ा? ?? ?ी ?ि? ?ा??े ??्? ?्?ा? ??ें ?ि ?ो? ?ां? ?ा ?े ?ा?.
- ?ं?ि?्? ??ि?ि?ि ?ी ?ू??ा ?ें (Report Suspicious Activity): ??? ???ो ?ा?्? ?ो?े ?ा ?? ?ो ?ा ?ो? ?ं?ि?्? ??ि?ि?ि ?ि?े, ?ो ?ु?ं? ?ैं? ?ो ?ू?ि? ??ें.
?ो ?ो?्?ों, ?े ??े ?्?े?ि? ?ा?्? ??्?े?ा? ???े ?े ?ु? ??ा? ?ि?्?. ??्?ें ???ा?? ?? ?? ?्?ा?्?ि? ?े ?ा?ू?? ?ा ?ा??ा ??ा ???े ?ैं ?? ??्?ि? ??े?ा?ि?ों ?े ?? ???े ?ैं.
Tip: Focus on one point at a time.
?ा? ??ें, ?्?े?ि? ?ा?्? ??्?े?ा? ???ा ?? ??ा ?ै. ??े ????ा?ी ?े ??्?े?ा? ??ें ?? ?िं??ी ??ा?ं ?ा??ा?! (Use your credit card wisely and live a wonderful life!)
QuickTip: Don’t ignore the small print.
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