Credit Card: आम लोगो के लिए नियमो में बदलाव करते हुए भारतीय रिजर्व बैंक (RBI) ने इसका इस्तमाल करना और आसान कर दिया है।

RBI Credit Card Closure Rule के तहत बिना ऑनलाइन या लिखित आवेदन के किसी भी उपभोकता को क्रेडिट कार्ड जारी नहीं किया जाएग।

[{"selector":"#anim-78e8c71e-b2ea-48ec-8935-67be74e14cc5 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0) translate(25%, 0%) scale(1.5)","translate3d(0%, 0, 0) translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.14,.34,.47,.9)","fill":"forwards"}] [{"selector":"#anim-72ccafa8-98eb-4fb2-9e70-1ba94aced00a","keyframes":{"transform":["translate3d(-100%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-90abba2b-9aa7-40e3-8bac-09b0b6623442","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e30375cf-4393-4766-bccc-72c9ef244c17","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}]

रिजर्व बैंक ऑफ इंडिया (Reserve Bank of India) की ओर से क्रेडिट कार्ड जारी करने वाले संस्थानों को स्पष्ट निर्देश दिए गए हैं.

[{"selector":"#anim-07326e1a-cd5f-4b19-80cf-f63224514421 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0) translate(25%, 0%) scale(1.5)","translate3d(0%, 0, 0) translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.14,.34,.47,.9)","fill":"forwards"}] [{"selector":"#anim-41c357fc-f28e-4771-8c5e-1ea4f317513a","keyframes":{"transform":["translate3d(-99.13793%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-817234f5-eab8-4965-a818-cf3eb68abb62","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-22755b38-a7a7-4a2e-9d96-dbb8bd86f54a","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}]

इस गाइडलाइन के कारण उन संस्थानों की मनमानी बंद हो जाएगी जो बिना ग्राहक की अनुमति से उनके लिए कार्ड जारी कर देते हैं.

[{"selector":"#anim-22c8c1df-7b2f-46b1-9ec1-8afc721d6dac [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0) translate(25%, 0%) scale(1.5)","translate3d(0%, 0, 0) translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.14,.34,.47,.9)","fill":"forwards"}] [{"selector":"#anim-f2b3e4f6-dc3e-4b7f-b34d-5b9054d359cf","keyframes":{"transform":["translate3d(-100%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-585c2295-5074-4582-abd6-ef6d90c3b1c5","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5e2a46e1-fb7c-4703-a586-02afb0b333d4","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}]

अगर आपने या किसी ग्राहक ने क्रेडिट कार्ड बंद करने हेतु आवेदन किया है तो उस बैंक या उस संस्थान को क्रेडिट कार्ड बंद करना होगा इस रिजर्व बैंक की गाइडलाइन के मुताबिक।

[{"selector":"#anim-590d8d3e-bbd4-4830-af08-3b20d367dddb [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0) translate(25%, 0%) scale(1.5)","translate3d(0%, 0, 0) translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.14,.34,.47,.9)","fill":"forwards"}] [{"selector":"#anim-1e11fcc2-e3e5-479c-b980-ced2ecd0d791","keyframes":{"transform":["translate3d(-100%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e7079b3f-83fb-4830-a67d-58e6f4827a7a","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d2ab2016-8c81-4ae3-a7a4-84605f21d9f5","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}]

ग्राहक को प्रत्येक्त दिन 500 रुपये बतौर जुर्माना देना होगा जब तक क्रेडिट कार्ड एकाउंट बंद नहीं हो जाता संबंधित संस्थान द्वार।

[{"selector":"#anim-1610b553-604c-4110-a463-23c11666fb69 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0) translate(25%, 0%) scale(1.5)","translate3d(0%, 0, 0) translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.14,.34,.47,.9)","fill":"forwards"}] [{"selector":"#anim-3b0bb81e-5aa1-451f-820f-efe832c31acb","keyframes":{"transform":["translate3d(-98.75%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-119fc32c-1ecc-44e7-88ac-fb899c76a936","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9841ada1-68fe-44e1-951c-3df635885984","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}]

क्रेडिट कार्ड बंद करने हेतु आवेदन करने से पहले ग्राहक को क्रेडिट कार्ड का बकाया भुगतान करना होगा ऐसा नहीं करने पर कार्ड बंद नहीं की जाएगी।

[{"selector":"#anim-19ae1595-4245-417a-900f-96366079e6ba [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0) translate(25%, 0%) scale(1.5)","translate3d(0%, 0, 0) translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.14,.34,.47,.9)","fill":"forwards"}] [{"selector":"#anim-d3aac2e6-da3c-401b-902b-b25a2ffce5e9","keyframes":{"transform":["translate3d(-98.57143%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-acd98245-548f-481b-afab-72dc0eb41aec","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ea5e904a-97af-4c8d-8312-a533ca359218","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}]

जानिए क्यों फायदेमंद है क्रेडिट कार्ड आपके लिए

[{"selector":"#anim-d65351fa-ab79-4c21-81be-fa66ff631438 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0) translate(25%, 0%) scale(1.5)","translate3d(0%, 0, 0) translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.14,.34,.47,.9)","fill":"forwards"}] [{"selector":"#anim-d9227600-60d5-4a1d-9032-56f81d1ca125","keyframes":{"transform":["translate3d(-100%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-fab00fbc-681b-4d7a-9f46-ebc54359bef0","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-78bbbbdc-413d-4086-b6b5-eccb9b64cc30","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}]

अगर सही से क्रेडिट कार्ड का इस्तेमाल किया जाए तो इसे आपको इमर्जेन्सी में पैसे की जरुरत पूरी होगी और यही नहीं आपका (CIBIL Score) भी मजबूत होगा।

[{"selector":"#anim-02a3d870-a39c-4b0e-af7a-e4c97e44b00e [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0) translate(25%, 0%) scale(1.5)","translate3d(0%, 0, 0) translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.14,.34,.47,.9)","fill":"forwards"}] [{"selector":"#anim-6d0c9276-11d9-4eb1-966e-baf69bf83e76","keyframes":{"transform":["translate3d(-98.57955%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1d1873d6-b4c3-4ffd-9896-fcb49da10259","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3ffcf56f-6413-46d6-abfe-c8370e52ab00","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}]

और अच्छे सिबिल स्कोर के कारण बैंक भी आपको भविष्य में लोन आसानी से देगा।

[{"selector":"#anim-0ab181ca-020c-4e4e-ab14-6e0f8d6b29a4 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0) translate(25%, 0%) scale(1.5)","translate3d(0%, 0, 0) translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.14,.34,.47,.9)","fill":"forwards"}] [{"selector":"#anim-74d9a62b-ddf6-408b-8ed5-96ca4002eef8","keyframes":{"transform":["translate3d(-100.64725%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-67eccf54-e130-43c9-bc80-27950c59d7fb","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-865c37c5-545d-4e9c-84db-0b9f8f9139fa","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}]