Credit Card : एक से ज्यादा क्रेडिट कार्ड रखने के फायदे और नुकसान

आज के समय में लगभग हर कोई Credit Card का यूज करता हैं। कई लोगों के पास एक ज्यादा Credit Card होगा।

इस बढ़ते Digitalisation के दौर में लोग ऑनलाइन से जुड़े हर काम जैसे - Shopping, Fuel, Bill Payment आदि काम के लिए क्रेडिट कार्ड का यूज करने लगे हैं।

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वही Credit Card कंपनियां भी अपने ग्राहकों को लुभाने के लिए अक्सर अलग-अलग तरह के क्रेडिट कार्ड लाती रहती हैं।

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इस लुभावने ऑफर और क्रेडिट कार्ड के फायदों को देखते हुए कई बार लोग एक से अधिक क्रेडिट कार्ड का यूज करने लगते हैं।

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अगर आप भी एक से ज्यादा Credit Card रखते हैं तो आज हम बताने वाले हैं कि एक से ज्यादा Credit Card रखने के क्या फायदे और नुकसान हैं।

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अगर आपकी अभी-अभी नई नौकरी लगी है, आपकी इंकम और खर्च कम हैं तो ऐसे में आपको एक से अधिक क्रेडिट कार्ड की जरूरत नहीं हैं।

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एक से ज्यादा क्रेडिट कार्ड रखने के कई फायदे हैं जैसे - अगर आपको एक क्रेडिट कार्ड पर Train Ticket Booking, Phone Recharge पर अधिक डिस्काउंट मिल रहा है।

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कहीं किसी क्रेडिट कार्ड पर शॉपिंग और फ्यूल पर छूट मिल रहा है तो आप दोनों का फायदा लें सकते हैं।

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वैसे ही कई क्रेडिट कार्ड में Airport Lounge Access की सुविधाएं मिलती है, ऐसे में क्रेडिट कार्ड पर फायदे मिलते हैं तो आप उसका लाभ लें सकते हैं।

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एक से ज्यादा क्रेडिट कार्ड होने के नुकसान भी है, अगर आपके पास एक से अधिक क्रेडिट कार्ड पर अलग-अलग एनुअल फीस देनी पड़ती है।

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कई लोग क्रेडिट कार्ड होने पर बिना सोचे-समझे शॉपिंग करने लगते हैं, ऐसे में बाद में वह कर्ज के जाल में फंस जाते हैं।

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