Credit Card Par Biyaj Kitna Lagata Hai?
Credit card ek financial instrument hai jisse aap apni expenses ko manage kar sakte hai. Lekin credit card ka istemal karne ke saath saath aapko biyaj (interest) bhi dena padta hai. Is blog mein hum aapko credit card par biyaj kitna lagata hai iske baare mein batayenge.
Credit card companies aapko kuch time period ke andar apne credit card balance ka payment nahi karne denge aur aapko interest dena padega. Interest rates usually high hote hai aur agar aap apne credit card balance ka payment time par nahi kar pate hai to aapke interest charges badh jaate hai.
Credit card par biyaj kitna lagata hai iska calculation aapke credit card company ke terms and conditions ke hisaab se hota hai. Har credit card company ka apna alag-alag biyaj rates hota hai. Lekin generally, credit card par lagne wala biyaj monthly compounding basis par calculate kiya jaata hai.
Monthly compounding basis ka matlab hai ki aapke credit card balance par har mahine biyaj ka interest lagaya jayega aur agle mahine par is interest par bhi interest lagaya jayega. Isse aapka credit card balance aur bhi badh jata hai aur aapko aur bhi zyada interest dena padta hai.
Credit card par biyaj ka calculation aapke credit card company ke terms and conditions ke hisaab se hota hai. Lekin generally, biyaj rates 1% se 3% ke beech hota hai. Yani agar aapke credit card balance ka total amount Rs. 10,000 hai aur aapne apna payment time par nahi kiya hai to aapko biyaj ka interest dena padega. Agar aapke credit card company ka biyaj rate 2% hai to aapko Rs. 200 ka biyaj dena padega.
Credit card par biyaj ka calculation kuch is tarah se hota hai:
Agar aapne apne credit card balance ka payment time par nahi kiya hai aur aapke credit card company ka biyaj rate 2% hai to aapke paas do options hai:
Payment ka Timeframe Extend Karne Ka Option: Agar aap payment ka timeframe extend karna chahte hai to aapko iske liye extra charges dena hoga. Is extra charge ka naam hai ‘late payment fee’. Late payment fee usually Rs. 500 se Rs. 1000 ke beech hota hai.
Minimum Payment Karne Ka Option: Agar aap minimum payment karna chahte hai to aapko minimum payment amount dena hoga. Minimum payment amount usually 5% se 10% ke beech hota hai. Lekin yahaan par ek baat ka dhyan rakhna hoga ki minimum payment amount pay karne se aapka credit card balance clear nahi hota hai. Iske saath saath aapko biyaj ka interest bhi dena padta hai.
Agar aapne minimum payment amount pay kiya hai to aapke credit card balance par baki ka amount aur biyaj ka interest lagaya jaayega. Isse aapka credit card balance aur bhi badh jata hai aur aapko aur bhi zyada interest dena padta hai
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