Top 10 Credit Card Mistakes to Avoid in India (2025)

Credit card ek powerful financial tool hai, lekin agar galat tarike se use kiya jaye to ye aapke liye bojh ban sakta hai. Aaj hum jaanenge India me credit card use karte time hone wali 10 badi mistakes aur unse bachne ke tarike.

1. Minimum Payment ka Bharosa Karna

Bohot log sirf minimum payment karte hain, jiski wajah se interest rate kaafi high lagta hai. Har month full outstanding clear karna best hota hai.

2. Credit Limit Ka Pura Use Karna

Credit utilization 30% se kam rakhna chahiye. Agar aap limit ka pura use karte hain to CIBIL score par negative impact padta hai.

3. Due Date Ignore Karna

Late payment charges aur penalty avoid karne ke liye due date se pehle payment karein.

4. Cash Withdrawal Karna

Credit card se cash withdraw karne par turant interest lagta hai jo 40% tak ho sakta hai. Isse avoid karein.

5. Offers Ka Andha Dhund Istemaal

Har offer ka use sirf discount ke liye na karein, apni zarurat ke hisaab se shopping karein.

6. Multiple Credit Cards Lena Bina Planning

Bina zarurat multiple cards lena debt ka risk badha sakta hai. Sirf utne hi cards lein jitne manage kar sakein.

7. Annual Fee Ignore Karna

Kuch cards me annual fee high hoti hai. Card lene se pehle fee structure check karein.

8. EMI Conversion Har Transaction Par Karna

Har transaction ko EMI me convert karna long-term interest ka burden badhata hai.

9. Statement Verification Na Karna

Har month statement check karein taaki galat charges ya fraud detect ho sakein.

10. Reward Points Ka Use Na Karna

Reward points expire ho jate hain agar use na kiye jaye. Inhe timely redeem karein.

Conclusion

Agar aap in mistakes se bachte hain, to credit card aapke liye ek smart financial partner ban sakta hai. Hamesha responsible use karein aur apne payments time par karein.