Credit Card Late Payment Charges in India – 2025 Updated Guide

Credit card ka bill time par na dene par banks late payment charges lagate hain jo aapke financial health par negative effect daalte hain. Is article mein aapko pata chalega ki late fees kitni hoti hai aur kaise ise avoid karein.

Late Payment Charges Kitne Hote Hain?

• Generally ₹100 se ₹1,000 tak late payment fees lag sakti hai, card issuer ke hisaab se.
• Charges aapke outstanding balance ka percentage bhi ho sakte hain, usually 2-5%.
• Multiple missed payments par fees badh sakti hai.

Late Payment Se Kya Nuksan Hota Hai?

• CIBIL score girta hai.
• Interest charges aur penalty badh jate hain.
• Future credit card ya loan approval mushkil ho sakta hai.

Late Payment Charges Kaise Avoid Karein?

1. Apni billing date aur due date ko calendar me mark karein.
2. Auto-pay setup karein taaki bill time par pay ho jaye.
3. Reminder apps use karein payment ke liye.
4. Agar kabhi payment late ho jaye to turant card issuer se contact karein aur waiver request karein.

FAQs

Q1. Kya late payment charges negotiate kiye ja sakte hain?

Haan, agar aap pehli baar late ho rahe hain to kuch banks charges waive kar dete hain.

Q2. Late payment charges lagne ke baad mera credit limit kam ho jayega?

Generally nahi, lekin repeated late payments se limit kam ho sakti hai.

Conclusion

Late payment charges avoid karna financial discipline ka hissa hai. Time par payment karen aur apna credit score maintain rakhein.