Home Social Knowledge Debit Card और Credit Card क्या होते है | और जानिए कौनसा आपके लिए जरुरी है

Debit Card और Credit Card क्या होते है | और जानिए कौनसा आपके लिए जरुरी है

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Hello दोस्तों आपने Debit Card And Credit Card के बारे में सुना तो होगा मैं उन Card के बारे में कुछ जानकारियां आपके साथ साझा करूंगा नव युवको के Bank में खाता खोलने के बाद इन Cash Card की जानकारी बहुत जरूरी है. क्योंकि बदलती Technology की दुनिया में आपको इन Debit कार्ड और Credit कार्ड की आवश्यकता पड़ सकती है. इस पोस्ट में आपका दोनों Card के बारे में आवश्यक जानकारी मिलेगी
सबसे पहले हमें समझने की जरूरत है कि हमें बैंक द्वारा संचालित किस कार्ड की जरूरत है Debit कार्ड और Credit कार्ड क्या होते है.

Debit Card And Credit Card

Debit Card

आपको पता होगा कि ATM कार्ड एक तरह का Debit Card होता है इसके द्वारा हम Online Bank Transaction कर सकते हैं और ATM के द्वारा हम किसी भी ATM मशीन से पैसे निकाल सकते हैं Debit Card प्रीपेड Sim की तरह होता है अगर हमारे SIM मैं बैलेंस हुआ तो हम कहीं भी कॉल कर सकते हैं उसी प्रकार अगर हमारे Bank Account में पैसा होगा तो हम उस पैसे को ट्रांजैक्शन कर सकते हैं अगर सिम में बैलेंस नही है तो  Call नही कर सकते उसी प्रकार हम बैंक बैलेंस न होने Debit Card का उपयोग नही कर सकते है. बैंक का ATM कार्ड एक डेबिट कार्ड हो सकता है

Debit Card Aur Credit Card Kya hote hai
Debit Card Aur Credit Card Kya hote hai

Debit Card  का मतलब ऑनलाइन बैंकिंग ट्रांजैक्शन ऑनलाइन खरीदारी आदि से है. बढ़ती हुए Technology से हमें फायदा मिला है पहले Bank से पैसे निकलने के लिए हमें बैंक जाना पड़ता था पर अब ATM कार्ड द्वारा हम पास के किसी भी Bank एटीएम मशीन से पैसा निकाल सकते है। Online खरीदने से लेकर ऑनलाइन किसी भी तरह का Payment किया जा जा सकता है।

Credit Card in Hindi

Credit Card से हमें एक सुविधा प्राप्त होती है जरुरत पड़ने पर हम अपने Bank Account में जमा राशि से अधिक राशि का प्रयोग कर सकते है और उस राशि को ऊँची ब्याज के साथ Bank Account में निश्चित समय तक जमा करवाना होता है । जरुरत पड़ने आवयश्कता पूरी हो जाये ये अच्छी बात है पर Credit Card से सेविंग कर पाना मुश्किल हो जाता है । जरुरत पड़ने पर हम Credit Card  से एटीएम द्वारा पैसा भी निकाल सकते है एक सुविधा ये भी है की किसी जरुरत मंद वस्तु को खरीदने के लिए EMI का आप्शन भी चुन सकते है । जिसमे आपको पूरी Amount एक साथ देने की जरूरत नही है उसकी Payment किस्तो में दिया जा सकता है

Ye Bhi Padhiye: Debit Card Se Mobile Recharge Karne Par 100 Rupay ka CashBack


उदाहरण : हमें एक टीवी खरीदना है उसकी कीमत 6000 रुपए है और हम एक साथ Payment नही करना चाहते है हम Credit Card की मदद से कुछ किस्तो में Payment करेंगे और वो किस्तो Bank से अपने आप Paid होती चली जाएँगी या हम ऐसे कहे की इससे एक प्रकार की Loan सुविधा भी मिलती है तो गलत नहीं होगा
एक सरल शब्दों में समझने की कोशिश की जाये तो जिस प्रकार घर में Postpaid कनेक्शन लगे होते है जिनमे कोई Balance नही होता है और महीने भर बात करने के बाद बिल आ जाता है और उसका पेमेंट करना पड़ता है उसी प्रकार क्रेडिट कार्ड होता है

Debit Card And Credit Card Me Anter

  1. Debit Card Ek Prepaid Card hota hai. Credit Card Ek Postpaid Card Hota hai
  2. Visa Debit Card Se Bank Balance Hone Par shopping ki Jaa Sakti hai. | Credit CardAgar apke Bank Me Balance nhi hai to app EMI Par Shopping kar
    Sakte hai.
  3. Debit Card Normal Ek ATM Card hota hai Jo ki Normally Bank
    Customer Ko Mil Jaata hai | Credit Card Lene Ke Liye alag se Apply Kiya Jata hai. Kyu Ki Ye Card Ko Manage Karna Normal Nhi hota
  4. Debit Card Se APP EMI Nhi Le Sakte | Credit Card Se app EMI Par Shopping Kar Sakte hai Uki Bhi Ek limite Hoti hai |
  5. Debit Card Assets Ke Rup me Dekha Jaa Sakta hai | Credit Card Isme Bank Liability Badh Jaati hai. Kyu Ki Credit Card Me Limited
    Time Par Balance hona Jaruri hai.

Discuss : अपने जाना की Debit Card Aur Credit Card में क्या अंतर है पर अगर आप Saving के लिए Debit Card Cum ATM का उपयोग कर सकते है जिससे आप जरुरत पड़ने पर जितने पैसे निकलना चाहे तो निकल सकते है जबकि Credit Card से Bank Balance से अधिक  राशि निकलने पर एक तरह का हम पर  उधार हो जाता है जो कोई भी वयक्ति नहीं चाहता।  Credit Card से अनावश्यक खर्चे बढ  जाते है जरुरत पढ़ने पर उपयोग किया जाये तो Credit Card के फायदे ही फायदे है
तो इस प्रकार आप समझ गए होंगे की Credit Card Aur Debit Card में क्या अंतर होता है आपको कोनसा उपयोग करना चाहिए, आप इस पोस्ट को  जरूरतमंद लोगो तक शेयर जरूर कीजिये
धन्यवाद 

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93 Comments

  1. Yohanna miji

    August 7, 2016 at 6:13 pm

    Nice for teaching in cr card and db card.

    Reply

  2. prem singh

    August 11, 2016 at 4:57 am

    बहुत अच्छी जानकारी।
    धन्यवाद।

    Reply

  3. Mahaveer Jain

    August 11, 2016 at 4:58 am

    Thank You

    Reply

  4. Mahaveer Jain

    August 11, 2016 at 4:58 am

    Thanks

    Reply

  5. Amit Amit

    September 2, 2016 at 2:30 pm

    Ek baat puchh sakta hu

    Reply

  6. puran mal Meena

    September 2, 2016 at 2:28 pm

    sir mere atm card ka expir date 2010 hai to kaya ye mere ko change karana pdega agar me atm card ko paypal account se jode to

    Reply

    • Vishnu Kant Maurya

      January 16, 2017 at 3:43 pm

      Puran mal meena agar aapaka card 2010 me expire tha to aap use ab tak kaise use kar pa rahe hai.
      Kyoki ye 2017 chal raha hai.aapka card expire huye to 7 sal ho chuke hai.

      Aapko bank jakar naya atm card issue karana hoga

      Reply

  7. Mahaveer Jain

    September 2, 2016 at 2:43 pm

    Dear 2010 Date expiry hone par agar apko wo update karana hoga. Aur Payple Par app Card Accepted option ko padhkar samajh sakte hai ki paypal par konse card work karte hai

    Reply

    • iliyas malik

      November 28, 2016 at 8:23 pm

      Thanx for knowledge

      Reply

  8. Mahaveer Jain

    September 2, 2016 at 2:44 pm

    Ji Bilkul Puchiye Kya puchna chahte ho

    Reply

  9. puran mal Meena

    September 3, 2016 at 10:38 am

    sir me atm card ka expiry date kaise update karu

    Reply

  10. Mahaveer Jain

    September 3, 2016 at 10:38 am

    Iske liye apko Bank Jana Hoga

    Reply

  11. Ajay

    November 7, 2016 at 12:58 pm

    ATM card debit card credit card ye shab ek card hote h kya sir

    Reply

    • mahaveer96

      November 8, 2016 at 10:04 am

      nhi. debit card aur atm ek maan sakte h fir credit card alag hota h

      Reply

    • Shweta

      April 19, 2017 at 4:15 pm

      Nahi debit card aur credit card alag hote hai credit card se agar bank balance nahi ho to bhi paise nikal skate hai. .

      Reply

  12. Sheetal

    November 15, 2016 at 5:13 pm

    Credit card me adhik rashi se kya matlb h thoda detail me samjhaye

    Reply

    • mahaveer96

      November 15, 2016 at 5:18 pm

      Credit Card Se Hmare bank me Jitna paisa jama hai utne se jyada hum Credit Card se upyog me le sakte hai Par wo Bad Me Hame Bank Interest Ke Sath Bank Ko Chukana hota hai. Maltab jarurat Padne Par credit card se adhik Paise ka upyog kar sakte hai

      Reply

  13. sainkee

    November 18, 2016 at 4:11 pm

    Sir mera master Card H to m kya smjhu ushe debit card ya dono…plz gve me answer fast.

    Reply

    • mahaveer96

      November 18, 2016 at 5:50 pm

      Master Card apka ATM Ka kaam karta hai to wo Debit Card hai. Credit card ke Liye Alag process hoti hai

      Reply

  14. suresh verma

    November 20, 2016 at 9:47 am

    Thank you

    Reply

  15. Amitesh rai

    November 20, 2016 at 3:21 pm

    Dear sir
    I have buy the product from e commerce business as like flipkart.
    The total amount has to be detect from my account and the balance in my account is zero ….so I want to know the remaining amount should be credit in my account…
    After detection of my emi amount that options I have to be choose
    Please suggest me

    Reply

    • Mahaveer Jain

      November 20, 2016 at 7:51 pm

      Dear, Flipkart May be Deduct Own EMI of product. If You want to say that Your full Bank Balance or More than your Product Charged By Flipkart. You Should Contact to Home Bank Branch and Flipkart Customer Care for these problem

      Reply

  16. baldev jat

    November 21, 2016 at 11:57 am

    thank you

    Reply

  17. rahul

    November 23, 2016 at 11:10 am

    Thanku ji

    Reply

  18. Narender

    November 27, 2016 at 11:39 am

    Very needful

    Reply

  19. Kriti joshi

    November 30, 2016 at 2:54 pm

    Thank u

    Reply

  20. Versha gupta

    December 2, 2016 at 7:16 pm

    Thanks for knowledge….

    Reply

  21. Sanjaykumar

    December 10, 2016 at 1:04 am

    That’s Sir For useful information

    Reply

  22. iliner

    December 10, 2016 at 3:27 pm

    Bro…
    mere pass debit card hai .kya me flipkart se emi me shoping kar paunga ?

    Reply

    • Mahaveer Jain

      December 12, 2016 at 8:28 pm

      EMI Ke Liye Credit card ki jarurat hoti hai.

      Reply

  23. rameshkumar

    December 13, 2016 at 10:26 am

    Sir ji kiya atm card hi debit hai ya jise mere paas atm card hai. Aur jahan debit card ki jarurat ho wahan mai atm card se debit card ka kaam kar sakta hoon kiya .details batayen.?

    Reply

  24. mohammad faisal

    December 15, 2016 at 5:58 pm

    sir i want to know that what is emi & how is it work

    Reply

  25. mohammad faisal

    December 15, 2016 at 6:03 pm

    sir ek question aur pocchhna chahta hoo agr mere credit card mein balance nhi hai aur mai use kisi mall ya dukaan pe use krta hoo hoo to kya wo mall cashier ya dukaan dar mjhe goods dega ya nhi

    Reply

    • Mahaveer Jain

      December 16, 2016 at 9:22 pm

      Credit Card ME Jo Balance hota hai wo hona chahiye. Iski ek Limite bhi hoti hai jo ki Har Card ke sath alag alag hai

      Reply

  26. mohammad faisal

    December 15, 2016 at 6:07 pm

    agr dega to kis base pe mai to smjhta hoo nhi dega qki shayad wo kya jaane aap bank mein paise dalo ya nhi to dukaan daar ka to loss hoga example taur pe jaise maine reliance k sim lgaye hai apne cell mein theek uske baad maine reliance se loan liya 10 rupye use krne k baad fir main balance nhi dlwaya jisse mera balance kt jaye loan wala maine use fek diya to usse reliance company ka kya fayeda
    plzzzz rply

    Reply

    • Mahaveer Jain

      February 27, 2017 at 10:21 am

      Credit Card Me aur Sim Me Bahut anter hai .. Credit card me apko pura payment dene hi padega. aur Sim Me 10 Rs. Ke Loan se company ko kuch fark bhi padega. Aur wo Customer se Earn karti hai to ese me 10 Rs. inke liye koi mayne nh rakhti

      Reply

  27. Ashish

    December 15, 2016 at 8:14 pm

    Thanks for this information

    Reply

  28. rajesh soni

    December 16, 2016 at 4:04 pm

    Sir mera accout PNB benk me h or mujhe
    Sir mujhe sbi ka credit card lena h to sbi me accout khulvana pdega kya

    Reply

  29. Pooja lakra

    December 18, 2016 at 10:38 pm

    Thanxxx for this information

    Reply

  30. Purnendra

    December 29, 2016 at 10:09 pm

    Sir main student hu Main credit card issue karwana chata hu 5000 R’s limit wali to main kya karu mujhe milega kya

    Reply

    • Mahaveer Jain

      December 31, 2016 at 9:25 am

      Ha student ke liye credit card mil jayega. iske liye bank se contact kijiye

      Reply

  31. akku

    December 30, 2016 at 3:41 pm

    sir agr hum EMI ya kisi b urgent situation k liye credit card ka use kre or apne account k balance se jyda balance ka use kre to bank kitne % ka charge leta h…….

    Reply

    • Mahaveer Jain

      December 31, 2016 at 9:24 am

      Ye bank ki credit card policy par depend karta hai uske liye apko apki bank branch se contact karna hoga.

      Reply

      • akku

        January 5, 2017 at 5:19 pm

        Thank you sir…..

        Reply

  32. Jitesh

    December 30, 2016 at 10:24 pm

    Thank you very much.

    Reply

  33. Pawan Raaj

    January 1, 2017 at 8:19 pm

    Hello mera nam Pawan Raaj he me up Hathras ka rehne wala hun mujhe ye jankari mili jo me janta nahi tha thenks dil se

    Reply

  34. Ash

    January 2, 2017 at 10:26 am

    Sir ,atm card pe jo card no diya jata h wo agr kisi ko pata chal jaye to ky koi problem creat ho sakti h

    Reply

    • Mahaveer Jain

      January 3, 2017 at 6:46 pm

      Ji Bilkul Problem ho sakti hai. Kisi anjan person bilkul bhi pta na chalne de Ye Number. Hame Ye number private rakhne chahiye

      Reply

      • akku

        January 5, 2017 at 5:23 pm

        but sir without card expiry date and transaction ka ek OTP coad jo hmare phone pr aata h inke bina to transaction complete nhi ho skti..so tension kesi

        Reply

        • akku

          January 5, 2017 at 5:25 pm

          no one can’t miss use of card

          Reply

        • Mahaveer Jain

          January 5, 2017 at 9:05 pm

          Ha par In Cheejo Me attension rakhna jaruri hai. Kuch ese Online software bhi hai jo Kuch detail aur bina otp ke account saaf kar sakte hai. Par ap tension na lo. Bus aage se detail safe rakhna

          Reply

  35. aabha singh

    January 2, 2017 at 12:00 pm

    Mene atm card 3 yrs pehle close kr diya tha but iss yr se mtlb 2017 se start krna chahta hu to kya ye restart ho skta h…agar ha to kese aur penalty lgega ya nahi??

    Reply

    • Mahaveer Jain

      January 3, 2017 at 6:45 pm

      apka card Dubara Renew ho sakta hai. Iske Liye apko Bank jana hoga apka Card active ho jayega

      Reply

  36. Ram ashish sharma

    January 7, 2017 at 4:46 pm

    hello sir mera a t m kahi kho gaya hai kya karna ho help me

    Reply

    • Mahaveer Jain

      January 8, 2017 at 8:23 pm

      उस एटीएम कार्ड को बैंक जाकर बंद करवा दीजिये जिससे उसका कोई दुरूपयोग न कर पाए

      Reply

  37. Raj

    January 24, 2017 at 11:59 am

    hum credits cards se kaha kaha paise use kar sakte hai aur kaise…….couse I have both cards

    Reply

  38. Laxman

    January 24, 2017 at 11:58 pm

    Jankari ke liye sukriya sar

    Reply

  39. Amol c malkhede

    January 25, 2017 at 11:56 am

    Thanx’s to information in a debt credit card….

    Reply

  40. Rupesh

    January 26, 2017 at 7:56 am

    Si, main apna debit or ATM card ka password or passport number bhul gaya hu iskeliye mujhe kya karna hoga??

    Reply

    • Mahaveer Jain

      February 27, 2017 at 10:23 am

      Apko Bank Jana Padega. Ye Problem waha solve ho jayegi

      Reply

  41. Diksha

    January 29, 2017 at 10:41 am

    Dhanyawaad bahut acchi jankar.

    Reply

  42. ajeet

    February 2, 2017 at 1:39 pm

    mai ye janana chahta hu ki ager hamare pass credit card hai aur usse mai ak month me kuchh nahi leta hu to kya paise dene padenge

    Reply

    • Mahaveer Jain

      February 27, 2017 at 10:24 am

      Nhi Esa Kuch nhi hota Par Ye Sab Kuch Bank Ki Policy Par Depend Karta hai.

      Reply

  43. Aaisa singh

    February 3, 2017 at 10:39 am

    Thanks achhi sujhaw mili

    Reply

  44. VINOD KR.SHARMA

    February 6, 2017 at 3:59 am

    THANKS for understanding

    Reply

  45. Jag veer singh

    February 20, 2017 at 8:02 am

    Best guide line of Debit & Credit thanks

    Reply

  46. Himaninath

    February 21, 2017 at 5:23 pm

    Hi me ye Janna chapati hu k normal saving account me Jo pedal ha usko rahi account me fd me rup me rakh sakte ha kya

    Reply

    • Rahmeen

      February 25, 2017 at 4:56 pm

      Thank you

      Reply

  47. Shubham Sharma

    March 20, 2017 at 1:59 pm

    Thanks 4 this information

    Reply

  48. Pradeep kumar verma

    March 21, 2017 at 7:56 am

    Very nice and importent jankari di aapne…thank u

    Reply

  49. deepak kumar dhiraj

    March 28, 2017 at 1:24 am

    Hlw sir mujhe emi ki jarurt h. R m smjh ni paa rha hu ki kya kru.koi kahta h ki jitne price ka saman h. Utna paisa account m hona chahiye. R koi kahta h doun payment v karna parega kya ye sach h.mujhe kya kya krna parega EMI k liye
    Mera account SBI ka h

    Reply

    • Mahaveer Jain

      April 20, 2017 at 9:16 pm

      Credit Card ka ek Fayda hai ki App payment installment me kar sakte hai suppose 10,000 rupay ki cheej ke liye installment Rs. 2000 ki hoti hai to apke Credit Card wale account me Installment Date Tak utna balance hona chahiye

      Reply

  50. Nadeem m

    March 30, 2017 at 12:20 pm

    Sir main bina FD ke bhi credit card apply kar sakta ho

    Reply

    • Mahaveer Jain

      March 30, 2017 at 4:25 pm

      Ji Ye Bank Par Depend Karta hai. Ek Bar apni Bank me jakar Try kijiye

      Reply

  51. Nadeem m

    March 30, 2017 at 12:22 pm

    Sir please problem solve

    Reply

  52. MD AFTAB ALAM

    March 31, 2017 at 10:57 pm

    Sir kiya mai saving account se le sakta hu

    Agr credit card leta hu or mai apne khate ke bailence se use karta hu to kiya bank iska vi charz legi

    Agar mai EMI leta hu 10000 ka or EMI katne se pahle apne khte me paisa rakh deta hu or mere khate ke paise se EMI kat jata hy to bank ka koi charz hoga ki nhi

    Plz solve my Questions

    Reply

    • Mahaveer Jain

      April 20, 2017 at 9:05 pm

      Ji Aap Saving Account se Credit Card le Sakte ho |

      Saving Account Balance Se Use karne par Credit Card ka Extra Charge nhi hai. ( Also Depend on Banks Policy)

      EMI Installment Date Tak apke account me balance hona chahiye. agar kisi karan se balance nhi hota hai Bank Iske liye Charge lagaa Sakte hai

      Reply

  53. deepak singh

    April 2, 2017 at 2:02 pm

    Thanks for this important news.

    Reply

  54. Aman Tiwari

    April 10, 2017 at 2:11 pm

    Thanks for this knowledge

    Reply

  55. pankaj

    April 12, 2017 at 3:56 pm

    sir mujhe credit card apply kar raha hu to plzzz mujhe todi information do

    Reply

    • Mahaveer Jain

      April 20, 2017 at 9:02 pm

      Aap Credit Card Apply ke Apni bank me Contact Kijiye

      Reply

  56. kailash chand

    April 12, 2017 at 8:29 pm

    Only expert reply please
    Sir ,
    Yadi mere account me 30,000 rupees h fir b main 20,000 rs ka mobile EMI par leta hu (by credit card) to kya mera total 20,000 debit ho jayega ya fir according to EMI ?
    Or kya mujhe iske liye bank ko inform karna padega yaa auto installment me convert ho jayega ?
    I’m new user of credit card…

    Reply

    • Mahaveer Jain

      April 20, 2017 at 9:02 pm

      Apke Account Se Ek Sath 20,000 Rs. Deduct nhi honge. EMI Ki Installment Ki Hisab Se Hi Paise Deduct hote hai. Aur EMI Ke Bad apke Account Se Automatically Installment Kat Jati hai

      Reply

  57. Mamata Das

    April 14, 2017 at 7:59 am

    Thanks for information.😌

    Reply

  58. Rupesh

    April 14, 2017 at 10:38 pm

    Really so easy and accurate language to understand non English peoples. And i am one of them.. thanks sir… God bless you… 😅

    Reply

  59. shree junawa

    April 24, 2017 at 5:35 pm

    Sir kya me icici bank se credit card or debit card dono le sakta hu or dono aek sath use kar sakta hu

    Reply

  60. sandeep attri

    April 24, 2017 at 11:50 pm

    thanx this post

    Reply

  61. Prabhas

    April 26, 2017 at 10:40 am

    Hiii sir mera emi pura hoo gaya hain tho mere account se paise kat Hona bandh ho jayenga…I will confused

    Reply

    • Mahaveer Jain

      April 27, 2017 at 10:21 am

      JI ha EMI Complete hone par paise katna band ho jayega

      Reply

  62. rakeah paliwal

    May 1, 2017 at 7:10 pm

    Sirr mere ko credit card issue karwana he so kya documents hona jaruri he normally sabko issue hota he ya iske liye bahut struggle karna padega

    Reply

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