क्रेडिट कार्ड से जुड़े झूठ जो लोग आज भी मानते हैं – अब वक्त है इन्हें तोड़ने का!
Credit cards can be an amazing financial tool if used right — but unfortunately, bahut log galat assumptions ke साथ use करते हैं.
There are so many myths around credit cards that actually hurt your financial health more than they help.
Let’s break the most common credit card myths and know the real truth behind them – in simple Hindi-English!
❌ Myth #1: “Minimum Due Bharna Hi Kaafi Hai”
✅ Truth: Minimum due भरने से interest बचता नहीं, बढ़ता है!
Most people think agar unhone minimum due ₹500 भर दिया, toh baaki amount pe interest nahi lagega.
🚫 Wrong!
Only the remaining amount becomes revolving credit, and banks charge 30–42% interest annually on it — starting from the day of transaction.
Hindi Fact:
Minimum due सिर्फ आपको time देता है, interest माफ नहीं करता!
❌ Myth #2: “Credit Card Poor Logon Ke Liye Nahi Hai”
✅ Truth: Credit card is not about income level, it’s about discipline.
Bohot log मानते हैं कि सिर्फ rich लोग ही credit card रख सकते हैं.
Truth ye hai — agar aap disciplined हो, time पे bill भरते हो, toh आप कम इनकम में भी card से फायदे ले सकते हो।
ICICI Amazon, SBI SimplyClick, Axis Neo – ₹0 या low income पे भी मिलते हैं।
❌ Myth #3: “Multiple Credit Cards Hurt Your Credit Score”
✅ Truth: गलत manage करने से score गिरता है, ज़्यादा cards से नहीं।
Having 2–3 cards is not harmful. In fact, it can lower your credit utilization ratio and improve your credit score.
But…
❌ If you delay payment
❌ Miss due dates
❌ Apply too frequently
…then score गिरता है.
Hindi Tip:
ज़्यादा card नहीं, ज़्यादा लापरवाही खतरनाक है।
❌ Myth #4: “Credit Card Use Karne Se Loan Nahi Milega”
✅ Truth: सही use करने से loan मिलने के chances बढ़ते हैं!
Banks और lenders आपके credit card usage से अंदाज़ा लगाते हैं कि आप कितने responsible हो.
If you:
- Pay full bill on time
- Keep usage under 30–40%
- Avoid overdue
→ Your CIBIL score improves → Loan मिलना आसान
Hindi Wrap:
Card responsibly use करो – EMI लेना और भी आसान हो जाएगा।
❌ Myth #5: “Cash Withdrawal Bhi Free Hota Hai”
✅ Truth: Cash निकालते ही interest चालू हो जाता है!
Even during interest-free period, credit card se ATM se paisa nikalna costly होता है:
- 2.5%–3% transaction fee
- Interest starts immediately
- No grace period
Hindi Warning:
Credit card से cash निकालना emergency के अलावा avoid ही करो।
❌ Myth #6: “Card Use Karna Loan Jaisa Hai”
✅ Truth: EMI aur credit card alag concepts hain.
People confuse EMI with credit card usage.
📌 Credit Card:
You pay in full every month = No interest
📌 EMI:
You borrow and repay monthly = interest + commitment
Hindi Samjhauta:
Card se EMI मत समझो – ये tabhi costly है jab time pe payment ना हो।
❌ Myth #7: “Lifetime Free Card Ka Matlab Koi Charges Nahi Hote”
✅ Truth: “Lifetime free” सिर्फ annual fee ke बारे में होता है – बाकी charges apply होते हैं.
Even if your card is lifetime free:
- Late fee
- Cash withdrawal fee
- Foreign markup
- Interest on dues
still apply.
Hindi Alert:
Free ka matlab smart use karo, free ride nahi!
❌ Myth #8: “Credit Card Use Karne Se Loan Avoid Kar Sakte Ho”
✅ Truth: Card is not a substitute for income or emergency fund.
Don’t use a card to:
- Fill income gaps
- Fund unplanned expenses
- Delay serious payments
📉 Ye sab karta hai:
- Debt create
- Stress increase
- Score drop
Hindi Reminder:
Card se खर्च करो – ज़रूरत के हिसाब से, ज़िंदगी चलाने के लिए नहीं।
❌ Myth #9: “Credit Card Use Karne Se Cashback Hi Cashback Milta Hai”
✅ Truth: Cashback tabhi milega jab sahi card sahi जगह पे use हो.
Every transaction doesn’t give cashback.
📌 Cashback/points मिलते हैं:
- Partner merchants (e.g. Zomato, Amazon, Flipkart)
- Specific categories only
- Subject to monthly limits
Hindi Reality Check:
Swipe किया, cashback मिला – ये हर बार नहीं होता।
🔐 Bonus Myth: “Credit Card Se Paisa Udhaar Lena Aasan Hai”
✅ Truth: It’s not udhaar, it’s your future money.
You’re borrowing from yourself with a timer ticking.
Missed payment = interest bomb + credit score ka damage
Credit card is not free money, it’s a trust test
🏁 Final Thoughts: Don’t Believe – Verify!
Credit card se जुड़ी myths बहुत चलती हैं, लेकिन हर user को सच जानना चाहिए।
You don’t need to be scared of credit cards—you need to be informed and responsible.
Hindi Wrap-Up:
Card galat नहीं होता, usage गलत होता है।
Myth तोड़ो, truth अपनाओ – और अपने पैसे के साथ समझदारी से चलो।