Credit card ki chhupi hui fees

Annual fee to sabko dikhti hai. Baaki cheezein MITC ke chhote akshar me chhupi hoti hain.

Saalana, worst case

India me credit card ka interest 18% se 42% saalana tak hota hai. Ye personal loan se bhi mehnga hai.

Ye tab lagta hai jab aap poora bill nahi bharte. Poora bharo, to interest zero.

Card se cash mat nikalo

ATM se credit card pe paisa nikalna do tarah se mehnga hai:

• Nikaalte hi 2.5% se 3% fee kat jaati hai
• Interest usi din se chalu — koi interest-free period nahi

Videsh me har swipe pe

Foreign currency me kharch karne pe banks 1.5% se 3.5% forex markup lagate hain.

Aur us markup pe upar se 18% GST bhi. Matlab asli chot 4% ke aas-paas pahunch jaati hai.

Ek din late = double nuksaan

Due date nikal gayi to late payment fee lagti hai — outstanding ke hisaab se aam taur pe ₹100 se ₹1,300 tak.

Aur wo alag baat hai ki late payment aapke CIBIL score pe bhi nishaan chhod deta hai. Wo nuksaan fee se bada hai.

Har fee pe GST

Joining fee, annual fee, late fee, forex markup, cash advance fee — har ek pe 18% GST lagta hai.

Isliye jab bank "₹1,000 annual fee" bolta hai, aapko asal me ₹1,180 dene padte hain.

Char aadatein, bas

• Har mahine poora bill bharo
• Card se cash kabhi mat nikalo
• Due date pe auto-debit laga do
• Apply se pehle MITC padho — wahi asli document hai