Is article mein hum detail mein samjhenge credit card par EMI kaise banti hai, credit card par EMI kaise kare, aur saath hi jaanenge EMI ki sacchai.
Aaj ke digital yug mein credit card ek aisa financial tool ban chuka hai jo har kisi ke paas hona chahiye. Lekin sabse bada sawal jo logon ke mind mein aata hai woh hai – credit card par EMI kaise banti hai? Agar aapko bada purchase karna ho jaise mobile phone, laptop, TV ya koi electronic item, toh credit card EMI ek easy aur flexible option hota hai.
Credit card se EMI par saman kaise le ya credit card EMI par phone kaise le. Chaliye step-by-step pura process samajhte hain.
Credit Card EMI Kya Hai?
Credit card EMI ek facility hai jahan aap apne bade purchases ko chhote-chhote monthly installments mein tod kar repay karte ho. Isse ek baar mein bada paisa dene ki tension khatam ho jaati hai aur aap apne budget ke hisaab se repay kar sakte ho.
Example ke liye, agar aapne ek phone kharida hai ₹30,000 ka, toh aap pura paisa ek saath dene ke bajaye use 6 months ya 12 months EMI mein pay kar sakte ho.
Credit Card Par EMI Kaise Banti Hai?
Aayiye ab samajhte hain ki credit card par EMI kaise banti hai:
- Purchase karte waqt EMI option choose karna – Jab aap online shopping websites jaise Amazon, Flipkart ya offline store se koi product kharidte ho, toh wahan par EMI option available hota hai. Aapko bas apna bank aur EMI tenure select karna hota hai.
- Bank ke through EMI conversion – Agar aapne ek bada transaction kiya hai aur us samay EMI choose nahi kiya, toh baad mein apne bank ke customer care ya mobile banking app ke through bhi us transaction ko EMI mein convert kar sakte ho.
- Tenure aur Interest Rate – Jab aap EMI select karte ho, bank aapko multiple options deta hai jaise 3 months, 6 months, 9 months, 12 months etc. Interest rate bank aur offer ke hisaab se alag hota hai.
- Monthly Installments – Har month aapke credit card statement mein EMI ka installment show hota hai aur due date tak aapko sirf wahi amount pay karna hota hai.
Credit Card Par EMI Kaise Banaye?
- Sabse pehle ensure karein ki aapke credit card par EMI facility enabled hai.
- Jab aapko koi product kharidna ho, toh checkout page par EMI option select karein.
- Apne pasand ka tenure (months) choose karein.
- Transaction complete hone ke baad aapka amount EMI mein convert ho jaata hai.
Yeh process online aur offline dono jagah similar hota hai.
Credit Card Par EMI Kaise Kare?
Aapke paas do tarike hote hain:
- Purchase ke samay – Checkout par directly EMI option choose karein.
- Purchase ke baad – Apne credit card bank ke customer care number par call karke ya mobile app par login karke transaction ko EMI mein convert kar sakte ho.
Credit Card Se EMI Par Saman Kaise Le?
Aaj kal har online shopping platform jaise Amazon, Flipkart, Myntra, Croma aur offline stores mein EMI option available hota hai. Agar aapko EMI par saman kharidna hai, toh bas product ko cart mein daal kar checkout par “Credit Card EMI” select karna hai.
- Select your tenure (3, 6, 9, 12 months)
- Interest rate aur processing fee check karna na bhoolen
- Payment complete karte hi saman aapke ghar aa jaayega aur paisa chhote-chhote parts mein bank ko repay hoga.
Credit Card EMI Par Phone Kaise Le?
Sabse zyada log EMI option ka use smartphone purchase ke liye karte hain. Credit card EMI par phone lene ka process simple hai:
- Amazon ya Flipkart par apna phone select karein.
- Checkout page par EMI option choose karein.
- Apne pasand ka bank aur tenure select karein.
- EMI ke saath order confirm kar dein.
Offline stores jaise Reliance Digital ya Croma mein bhi aapko credit card EMI par phone mil jaata hai.
Credit Card EMI Ke Fayde
- Bada paisa ek saath dene ki zarurat nahi.
- Flexible repayment options.
- Offers aur discounts ke saath zero-cost EMI bhi mil sakti hai.
- Budget friendly aur tension-free shopping.
Important Points Dhyan Rakhen
- Har EMI par interest lagta hai (except zero-cost EMI).
- Processing fee bhi charge ho sakti hai.
- Agar aap EMI miss karte ho toh late fee aur penalty lag sakti hai.
- Credit score par impact padta hai agar aap timely payment nahi karte.
Disclaimer: This article is for informational purposes only and does not guarantee any earnings or financial results. Readers are advised to do their own research or consult a financial advisor before making any decisions.
FAQs on Credit Card EMI
Q1: Credit card par EMI kaise banti hai?
Ans: Jab aap koi bada purchase karte ho aur usse chhote monthly installments mein todna chahte ho, toh aap checkout par EMI option choose karke ya baad mein bank ke through transaction ko EMI mein convert kar sakte ho.
Q2: Credit card par EMI kaise banaye?
Ans: Checkout par EMI option select karein, apna bank aur tenure choose karein. Transaction complete hote hi amount EMI mein convert ho jaayega.
Q3: Credit card se EMI par saman kaise le?
Ans: Amazon, Flipkart ya kisi offline store par checkout karte waqt EMI option select karke saman EMI par le sakte ho.
Q4: Credit card EMI par phone kaise le?
Ans: Online store par phone select karne ke baad EMI option choose karein, tenure aur bank select karke payment complete karein.
Q5: Kya credit card EMI par interest lagta hai?
Ans: Haan, zyadatar EMI plans par interest lagta hai, lekin kuch offers mein zero-cost EMI bhi hoti hai.
Disclaimer: This article is for informational purposes only and does not guarantee any earnings or financial results. Readers are advised to do their own research or consult a financial advisor before making any decisions.
