डेबिट और क्रेडिट कार्ड में अंतर -Debit Card और Credit Card क्या है?

डेबिट और क्रेडिट कार्ड में अंतर -Debit Card और Credit Card क्या है? Hello, dosto bahut sare log aaj-kal online shopping, online payment ke liye credit, debit card ka use karate hai. Lekin kya aap janate hai ki debit aur credit card me kya difference hota hai ? Agar nahi to ye post jarur padhe.

ATM Aur Debit Card Kya Hota Hai?

Atm ko automated teller machine kaha jata hai. Atm ki madad se hum apne bank account me jo paise hote hai wo kahi par bhi atm machine se nikal sakate hai. Aur to aur ATM ki madad se hum online payment bhi kar sakate hai. Atm card humare prepaid sim card ki tarah hota hai. Agar humare mobile ka balance khatam ho jaye to hum call nahi kar sakate. Waise hi agar humare bank account me paise nahi hai to hum atm card ka use nahi kar sakate.

     

Atm card pe aapka naam aur 16 digit ka card number diya hota hai. Jab hum Atm card ka use karate hai tab aapko pin pucha jata hai.

Agar aapko atm card chahiye to aap apne nazdiki bank me jakar aaply kar sakate hai.

Debit Card:

Debit card bhi same Atm card ki tarah hi hota hai. Debit card Jayda tar online payment, online shopping ke liye use kiya jata hai. Debit card ka use karane par aapke bank account se paise kum hote hai. Aur agar aapke bank account me paise nahi hai to phir aap debit card ka use nahi kar sakate.

Aur kabhi kabhi ATM Cum Debit Card bhi hota hai wo bank par depend karata hai ki wo aapko kya de rahi hai.

Atm & Debit Card Ke Bhi Bahut Sare Prakar Hote Hai:

1. Master card

2. Maestro Card

3. Rupay Card

4. Visa Card

In card ki facility me bhi difference hota hai.

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Credit Card Kya 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 basic difference ye hota hai ki agar aapke bank account me paise nahi hai phir bhi aap payment ya shopping kar sakate hai.

Credit card ki limit hoti hai wo aapke salary ya phir aapki income par depend karati hai.

Credit Card se agar aap shopping karate hai to bad me aapko wo paise, interest (byaj) ke sath diye gaye samay me laulate padate hai. Agar aap diye gaye samay me wo paise nahi lauta pate hai to interest (byaj) badata jata hai.

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Basic Difference between Credit Card and Debit Card:

Credit Card	Debit Card
Bank Account me agar paise nahi hai phir bhi payment, online shopping kar sakate hai.	Bank account me paise nahi ho to payment nahi kar sakate.
Bad me byaj ke sath paise loutane padate hai.	Debit card me yesi jarurat nahi padati.
Credit card ki limit hoti hai.Jitni aapki limit hai utni hi shopping kar sakate hai.	Debit card ki koi limit nahi hoti aapke accout me jitne paise hai utne aap use kar sakate hai.

To dosto aapko ab pata chal gaya hoga ki credit card, aur debit card me kya fark hota hai.