Dosto apko ATM Card, Debit Card aur Credit Card me Antar bare me pata hoga. Un sabhi logo ko in Card ki jankari 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 Card, Debit Card aur Credit Card me kya Difference hota? hai iske bare me important information bataunga.
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ATM Card Debit Card Aur Credit Card Me Antar Kiya Hai?
Agar aap bhi imse kisi bhi card ka use karte hai to apko inka anter or iske sabhi fayede nuksan ke bare me pata hona chahiye jo aap is post me jaan jayenge. Kabhi galti se apka ye gum ho jaye to inko block kara dena chahiye. ATM or Debit card kho jaye to block kaise karate hai iski process aap yaha click kar ke jaan sakte hai.
ATM, Debit Card aur Credit Card me Difference ?
1. ATM Card
ATM ka full form “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 isko istemaal kar ke online payment bhi kar sakate hai. Yah 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.
2. 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 ise istemaal kar ke kisi bhi bank ke A. T. M. Machine se paise nikal sakte hai. Isko istemaal karne ke liye bhi apke bank khate me balance hona jaruri hai.
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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:-
2. Maestro Card
3. Rupay Card
4. Visa Card
3. Credit Card
Ye card aapko bank ya kisi financial institute se milata hai. Isaka use hum online payment, fund transfer, online shopping karane ke liye kar sakate hai. Credit aur Debit Card me antar 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.
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Advantages and Disadvantages of Credit Cards
- Apke bank account me balance na ho to bhi credit card use kar sakte hai.
- Credit Card ki Limit hoti hai aap utna paisa hi use kar sakte hai.
- Limit aapki salary ya income par depend karati hai ki bank ne apke iske dwara kitne rupaye ki soping karne ki limit de rakhi hai.
- Kisi bhi chiz ko Credit Card se EMI par kharidna ho to kar sakte hai.
- EMI se kharide gaye saman ka paisa bank ko kisto me diya ja sakta hai.
- 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. |
ATM Card, Debit Card Aur Credit Card me antar kya 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 ATM Card Debit Card aur Credit Card me antar kya hai? aur inke fayede nuksan 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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