क्रेडिट कार्ड ईएमआई का 6 मुख्य बातें जो आपको जाननी चाहिए

क्रेडिट कार्ड ईएमआई प्रक्रिया, शुल्क: अगर समझदारी से इस्तेमाल किया जाए तो क्रेडिट कार्ड एक मूल्यवान उपकरण है। credit: getty Image

जब आप राशि को ईएमआई में बदलते हैं, तो आप हर महीने किश्तों में बकाया राशि का भुगतान ऋण चुकौती की तरह करते हैं।

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हालांकि क्रेडिट कार्ड पर ईएमआई उपयोगी और सुविधाजनक हो सकती है, लेकिन ईएमआई चुनते समय आपको 6 बातों का ध्यान रखना चाहिए:

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1. प्रसंस्करण शुल्क (Processing fee) : क्रेडिट कार्ड ईएमआई योजनाएं प्रसंस्करण शुल्क के अधीन हैं।यह सुझाव दिया जाता है कि रूपांतरण का विकल्प चुने।

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2. ब्याज दर : प्रोसेसिंग शुल्क के अलावा, आपका क्रेडिट कार्ड सेवा प्रदाता उस राशि पर ब्याज भी लेगा जिसे ईएमआई में परिवर्तित किया जाना है।

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3. क्रेडिट बैलेंस: भुगतान से पहले या अपने लेन-देन को ईएमआई में बदलने से पहले हमेशा कार्ड में उपलब्ध क्रेडिट की जांच करें।

[{"selector":"#anim-2fb5c4f5-7a98-4334-8da5-8a4f307c227c [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(30.965908981170198%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-ad870d6b-b764-47f0-a746-0389cd4eb33f","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2bfa68d5-e22b-4fdf-8c77-81e780015891","keyframes":{"transform":["translate3d(0px, 137.08421%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] credit: getty Image

4. अवरुद्ध राशि (Blocked amount): यदि आप किसी लेनदेन को ईएमआई में परिवर्तित कर रहे हैं, तो कार्ड कंपनी द्वारा बकाया राशि को ब्लॉक कर दिया जाएगा।

[{"selector":"#anim-5d57241c-3659-4e58-83ad-2a0ebfd36ea3 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(41.85379395029924%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-208a5845-0600-4b50-a928-cf3f80f79305","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2fabc40f-48cc-4670-9f18-44e2e68d2137","keyframes":{"transform":["translate3d(0px, 130.06537%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] credit: getty Image

5. फौजदारी शुल्क (foreclosure fee) : यदि आप फोरक्लोज़ करना चाहते हैं, तो एक शुल्क + जीएसटी लगाया जाएगा।

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6. छूटा हुआ भुगतान: चूक भुगतान के मामले में, आपसे विलंब शुल्क और अन्य शुल्क लिए जाएंगे। साथ ही अतिरिक्त ब्याज भी लिया जाएगा।

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