Difference Between Debit Card And Credit Card In Hindi

Debit Card aur Credit card dono ka use ATM se paise nikalne aur kisi ko paise dene ke liye kiya jata hai. Iske alawa online shopping karne aur dukano par payment karne ke liye kiya jata hai. Dono card bank apne customer ko available karati hai. Lekin bahut se logo ko in dono me antar pata nahi hota hai. Debit card or credit card me kuch difference ya fark hota hai jiske baare me hum detail se janenge.

Debit card

Debit card me Debit ka matlab hota hai “Naame“. Jab bhi hum ATM se paise nikalte hai ya debit card se kisi ko paise dete hai to paise hamare bank account se kat jate hai. Iske liye hamare bank account me paise hona jaruri hai. Bina bank balance ke debit card kaam nahi karega. Aur agar hum bank account me available balance se jyada paise nikalne ki koshis karenge to paise nahi niklenge. Sabhi bank apne customer ko debit card asani se uplabdh karati hai. Agar aapke paas ATM card hai to aap use debit card ki tarah istemal kar sakte hai. Kyunki lagbhag sabhi ATM card debit card hi hote hai.

Credit card

Debit card ki tarah credit card bhi same work karta hai. Lekin credit card me paise alag tarah se charge hote hai. Debit card ki tarah Credit card se payment karne ke liye bank account me paise hona jaruri nahi hai. Credit card me bank hume ek limit tak udhar paise deti hai. Jab bhi hum credit card se kisi ko payment karte hai ya ATM se paise nikalte hai to utne paise hume bank ko baad me dene padte hai. Ye udhari ek limit tak hoti hai uske baad credit card tab tak kaam nahi karega jab tak hum purani udhari bank ko chuka nahi dete. Credit card me hume jitne paise upyog me lete hai utne paiso ka interest charge bhi lagta hai. Bank sabhi customers ko credit card nahi deti hai. Iske liye bank customer ki len den ki history ko dekhti hai. Uske baad hi apply karne par kisi ko credit card diya jata hai.