Credit Card Ka Funda: Aapko Kitne Chahiye?
Aajkal credit card toh har kisi ke paas hai, but kya aapko pata hai ki inse sahi se kaise deal karna hai? Zyada credit cards hone ke fayde aur nuksan dono ho sakte hain. Is article mein hum baat karenge credit utilisation ratio, credit limit, aur aise tips jo aapki credit card journey ko smooth banayenge.
Credit Utilisation Ratio Kya Hai?
Socho aapke paas Rs. 40,000 ka credit limit hai. Agar aapne Rs. 10,000 kharch kiye hain, toh aapka credit utilisation ratio 25% hua (10,000/40,000 x 100). Ideally, yeh ratio 30% se kam hona chahiye. Higher ratio ka matlab hai ki aap zyada credit use kar rahe hain, jo aapke credit score ko negatively affect kar sakta hai.
Credit Limit: Zyada Limit, Zyada dikkat?
High credit limit attractive lagta hai, but iska matlab yeh nahi ki aap pura paisa kharch kar dein. Budget mein raho aur overspending se bacho. Financial discipline is key!
Credit Card Utilisation Ratio Kaise Improve Karein?
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Kharchon Pe Nazar Rakhein:
Apne spending habits ko track karo. Unnecessary kharcho se bacho.*
Credit Card Accounts Band Na Karein:
Purana credit card account band karne se aapka total available credit kam ho jata hai, jo credit utilisation ratio ko badha sakta hai.*
Kharche Alag Alag Cards Pe Divide Karein:
Ek hi card pe sab kuchh kharch karne ki bajay, use alag alag cards pe divide karo. Isse aapka credit utilisation ratio kam rahega.*
Balance Alerts Set Karein:
Apne credit card balance pe nazar rakhne ke liye alerts set karo. Isse aap overspending se bach sakte hain.*
Maximum Outstanding Amount Pay Karein:
Minimum due amount pay karne ke bajay, jitna ho sake utna outstanding amount pay karo. Yeh aapke credit score ke liye achha hai.*
Multiple Payments Karein:
Month mein ek baar ki bajay, kai baar payments karo. Isse credit utilisation ratio manage karne mein madad milti hai.*
Credit Limit Badhayein:
Agar zarurat ho toh apne credit card issuer se credit limit badhane ke liye request karo. Ya phir ek aur credit card apply kar sakte ho, lekin carefully soch samajh kar.Aakhri Baat
Credit card ek powerful tool hai, agar ise wisely use karo toh. In tips ko follow karo aur apne finances ko healthy rakho!
