Credit Card Rollover Kya Hota Hai?
Jab aap credit card use karte ho, toh aapko yeh option milta hai ki aap apna balance ek baar mein pura pay karo ya fir dheere-dheere. Agar aap due date tak pura amount nahi pay karte, toh jo balance bach jata hai, woh next billing cycle mein ‘roll over’ ho jata hai. Ise credit card rollover kehte hain. Isse aap apna debt aagey badha sakte hain, lekin interest charges bhi judna shuru ho jate hain, jisse aapka debt aur bhi costly ho jata hai.
Interest Kaise Kaam Karta Hai?
Yeh samajhna bahut important hai ki rollover aur interest kaise kaam karte hain, taki aap apne credit card debt ko effectively manage kar sako. Chaliye dekhte hain kaise aap credit card interest charges ko kam kar sakte hain:
Kaise Choose Karein Ek Effective Credit Card?
Balance transfer consider karein. Ek aisa credit card choose karein jo balance transfers par low interest offer karta ho, lekin sirf ek limited time ke liye. Isliye, debt badhne se pehle usse transfer kar dein. Fir, uss offer period mein transferred amount ko pay off karne par focus karein, naye purchases ke liye card use karne ke bajaye.
Improve Karein Credit Score
Agar aap chahte hain ki lenders aapko credit card applications par kam annual percentage rate (APR) offer karein, toh apna credit score increase karna bahut zaruri hai. Ek low credit score yeh indicate karta hai ki borrower loan par default kar sakta hai. Apna credit score badhana ek strategy ho sakti hai cheaper interest rate acquire karne ki.
Balance In Full Pay Karein
Agar aap apna pura credit card bill pay nahi karte hain, toh bache hue amount par interest charge hota hai. Isse bachne ke liye, hamesha pura bill time par pay karein. Yeh advise kiya jata hai ki sirf utna hi spend karein jitna aap repay kar sakte hain.
Negotiate Karein Lower Rate
Credit card interest kam karne ka ek aasan tareeka hai ki aap apni card company se rate reduction ke liye request karein. Many issuers agree karte hain, especially agar aapka payment history achha hai aur aapka credit score strong hai.
Credit Utilisation Ratio
Banks aapki credit limit aur aap kitna use karte hain, uske basis par decide karte hain ki aapka credit card interest rate kya hoga. Apne usage ko 40% se kam rakhna yeh show karta hai ki aap credit achhe se manage kar rahe hain aur isse aapko lower interest rate milne mein help mil sakti hai.
Cash Withdrawal
Aapko interest pay karna padta hai agar aap apne credit card use karke ATM se cash nikalte hain. In advances par jo interest charge hota hai, woh usually regular transactions par charge hone wale interest se zyada hota hai. Yeh advise kiya jata hai ki aap apna credit card sirf emergency mein hi cash nikalne ke liye use karein.
Make Regular Payments
Aap har week ya fir jab bhi aap kuch significant buy karte hain toh apne balance ko reduce karne ke bare mein sochein. Isse interest charge kam hota hai aur aapka average daily balance bhi kam hota hai. Aap majority card providers ke saath ek month mein several payments kar sakte hain.
Emphasise High-Interest Debt
Agar aapke multiple credit card balances hain, toh sabse pehle uss card ko pay off karne par focus karein jis par sabse zyada interest rate hai. Baaki cards par minimum pay karein. Isse aapka total interest over time kam hoga.
