Janiye ATM, Debit Card Aur Credit Card Me Kiya Difference Hota Hai?


Dosto apko Debit Card and Credit Card ke bare me to pata hoga. Un sabhi logo ko in Card ki jankariya honi chahiye jinka bhi bank me account hai.  Aap pahli bar Bank me khata kholne ja rahe hai, to in Cash Card ki jankari bahut jaruri hai. Aane wala time Cashless Transaction Technology ka hoga. In this post apko ATM, Debit aur Credit Card me kiya Difference hota hai iske bare me important information bataunga.

Atm debit credit card kya hota hai

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ATM Card Aur Debit Card Kiya Hote Hai?

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ATM Card

ATM automated teller machine hota hai. ATM Card use karke hum apne bank account me jo paise hote hai wo kisi bhi ATM Machine ki madad se nikal sakate hai. Iske alawa aap ATM istemaal kar ke online payment bhi kar sakate hai. Atm card prepaid sim card ki tarah hota hai. Jub apke mobile ka balance khatam ho jata hai, to kahi call nahi kar pate. Waise hi agar apne bank account me paise na ho to atm card ka use nahi kar sakate.

Debit Card

Debit card bhi same ATM Card ki tarah hi hota hai. Kuch bank apne cstomer ko ATM Cum Debit Card bhi dete hai. Iski help se hum Online shopping, online payment aur bank transaction kar sakte hai. Debit Card se online transaction, online money transfer aur kharidari kar sakte hai. BPahle hume bank se paise nikalne ke liye bank me jana padta tha, par ab debit card use kar ke kisi bhi bank ke ATM Machine se paise nikal sakte hai. Isko istemaal karne ke liye bhi apke bank khate me balance hona jaruri hai.

Types of ATM & Debit Cards in Indian Bank

ATM Card and Debit Card ke bahut sare prakar hote hai aur inki facility bhi difference hota hai jaise:-
1. Master card
2. Maestro Card
3. Rupay Card
4. Visa Card
5. ATM Cum Debit Card 

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Credit Card Kiya Hota Hai?

Credit Card aapko bank ya kisi financial institute se milata hai. Credit card ka use hum online payment, fund transfer, online shopping karane ke liye kar sakate hai. Credit aur Debit Card me difference ye hota hai ki agar aapke bank account me paise nahi hai phir bhi aap iska use kar sakte hai. Aap jitna paisa isse use karenge us ammount ko byaj ke sath bank account me time period tak deposit karna hota hai. Isme achi bat ye hai ki jarurat padne par credit card se atm machine se paise nikalne ka kaam bhi ho sakta hai.

Advantages and Disadvantages of Credit Cards

  1. Apke bank account me balance na ho to bhi credit card use kar sakte hai.
  2. Credit Card ki Limit hoti hai aap utna paisa hi use kar sakte hai.
  3. Limit aapki salary ya income par depend karati hai ki bank ne apke credit card se kitne rupaye ki soping kar sakte hai.
  4. Kisi bhi chiz ko Credit Card se EMI par kharidna ho to kar sakte hai.
  5. EMI se kharide gaye saman ka paisa bank ko kisto me diya ja sakta hai.
  6. Agar apne EMI ke payment ko samye par nahi chukaye to bank penalty fees+interest leti hai.  

Difference Between Credit Card and Debit Card in Hindi

Credit Card
Debit Card
Isko use karne ke liye apke bank account me paise hona jaruri nahi hai.
Isko tabhi istemaal
kiya ja sakta hai jub apke bank account me balance hoga.
Kisi bhi saman ko EMI par kahrid sakte hai
Isme EMI ka option
nahi hota hai
Credit Card Use karne ki limit hoti hai. Jitni limit hogi utni soping
kar sakte hai.
Debit card me koi
limit nahi hoti. Apke account me jitne paise hai utni shoping kar sakte hai
Isme bad me bank ko sabhi paise byaj ke sath chukane padte hai, kiyu ki
aap bank ka paisa kharch karte hai.
Isme aisa kuch nahi
hai. Aap apna paisa use karte hai.

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Debit Card Aur Credit Card me kiya antar hai yah to apne jaan liya. Credit card ka use karke ek tarah se yah man sakte hai ki bank se hum loan lete hai jo bank ka hamare upar udhar rahata hai. Kabhi ye card gum ho jaye to turant inhe block kara dene se hone wale nuksan se bacha ja sakta hai.

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Is post ko padne ke bad to itna samjh hi gaye honge ki Debit Card or Credit Card ke fayede or fark kiya hai. Agar apka koi sawal hai to comment kar sakte hai. Is Blog ke taja updet facebook par pane ke liye Facebook Page Digital New Hunt like karna na bhule.

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