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[email protected] Advantages and Disadvantages of Credit Card in Hindi | By Ishan
A credit card allows you to borrow money from a bank to make purchases, whether you’re buying a burger or a round-trip ticket to France. As long as you pay back the money you borrow within the “grace period” of 25-30 days, you don’t have to pay extra. If you don’t pay it back in that time period, you’ll have to pay interest — a percentage of the money you owe the bank — on top of what you borrowed.
Choosing a credit card: When you’re deciding which credit card to get, ask yourself this question: Will I be paying interest on my debts?
If you pay your credit card balance in full and on time each month, you won’t be charged interest. In that case, it’s worth it to get a credit card with rewards. These cards give you points, cash or airline miles every time you use them. However, rewards cards have higher interest rates — high enough to wipe out the value of the rewards you earn. That brings us to what to do if you do carry a balance (in other words, you don’t pay off your debt every month). You’ll want to minimize your interest payments, so you should pick a credit card that has a low interest rate.
Your credit card is issued by a bank, such as Bank of America, Chase or Wells Fargo. The bank determines your interest rate, fees and rewards, so it’s important to find a bank that offers a card you like. Transactions are processed on a network, like Visa, Mastercard or American Express. The network doesn’t really affect the features on a card, except for such perks like rental car insurance or price protection. However, the network determines where the card is accepted.
In general, the better your credit score, the better the cards you can qualify for. The most generous rewards rates, the best perks and the lowest interest rates are available to those with excellent credit.
Interest payments and fees: Credit card companies make money in three ways:
1.Transaction fees charged to the merchant every time you use your credit card
2.Interest payments when you don’t pay off your debt in full
3.Fees, like late payment or annual fees
You don’t have to worry about that first one. Transaction fees are a problem only for merchants. Instead, concern yourself with interest payments and fees.
If you have a rewards credit card, remember that issuers don’t give those points out of the goodness of their hearts. Many people think they earn more in rewards than they pay in interest, but if you carry a balance, that’s rarely the case. If you think there’s a chance you won’t pay off your balance every month, steer clear of rewards cards.
Credit cards charge a number of fees, from an annual fee to cash advance fees to late payment fees. Most cards nowadays don’t have an annual fee unless they offer big rewards or are designed for people with less-than-good credit, but make sure to make at least the minimum monthly payment on time, or you may be slapped with a late fee and a higher interest rate — and you might even see your credit score suffer.
REWARDS PROGRAM DETAILS: If you have a rewards credit card, this portion will spell out exactly how you earn and redeem your rewards. Read this section carefully. Many credit card rewards programs are fantastic, giving you cash back or points you can redeem for free travel. But others aren’t all they make out to be — paying minuscule rates or giving you rewards only for crummy merchandise you don’t want or gift cards you’ll never use.
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