Agar aap bhi soch rahe ho ki credit card par loan kaise le, to yaha aapko puri detail milegi.
Aaj ke time mein credit card sirf shopping aur payments ke liye hi nahi, balki emergency financial needs ke liye bhi ek useful tool ban chuka hai. Kai logon ko ye nahi pata hota ki credit card par loan bhi milta hai, jo aapki turant paise ki requirement ko pura kar sakta hai. Lekin is loan ko lene ka process, eligibility aur terms samajhna bahut zaroori hai.
Credit Card Loan Kya Hota Hai?
Credit card loan ek unsecured personal loan hota hai jo aapke credit card ke against diya jata hai. Matlab bank aapko ek fixed limit tak cash loan provide karta hai based on aapki credit card usage, repayment history, aur credit score.
Ye loan aapke normal credit card bill ke outstanding se alag hota hai jisey credit card par loan milta hai. Iska fayda ye hai ki aapko alag se documentation ya collateral dene ki zaroorat nahi padti. Agar aap regular aur responsible credit card user ho to bank easily aapko ye facility offer kar deta hai, pata chal gya hoga ki aap credit card par loan kaise le.
Credit Card Par Loan Ke Types
- Pre-approved Loan
Ye loan bank khud offer karta hai aapki usage aur repayment history ke basis par. Net banking notification, ya SMS ya Email ke maadhyam se apko information mil jati hai. - Loan Against Credit Limit
Is option mein bank aapke credit card limit ka ek portion loan ke form mein convert kar deta hai. Example: Agar aapki limit ₹2,00,000 hai to bank uska ek part loan ke roop mein de sakta hai. - Top-up Loan
Agar aap pehle se loan le chuke ho aur fir se zarurat hai, to bank top-up loan bhi provide karta hai.
Credit Card Se Loan Kaise Le?
Ab dekhte hai ki credit card se loan kaise le. Ye process simple sa hai:
- Eligibility Check Karo – Pehle check karo ki aapke bank ne aapko loan offer kiya hai ya nahi. Ye aap net banking, mobile app ya customer care se verify kar sakte ho.
- Loan Apply Karo – Agar pre-approved offer hai to ek click mein loan approve ho jata hai. Agar nahi ho paa raha hai toh manually rquest kar skte ho khud se.
- Amount Select Karo – Loan ka amount aapki credit card limit ke andar hota hai.
- Tenure Select Karo – Banks usually 6 months se 48 months tak ke repayment tenure offer karte hain.
- Approval aur Disbursal – Loan approve hote hi paise directly aapke savings account mein transfer ho jate hain.
Credit Card Loan Ke Fayde
- Instant Approval – Bina extra documents ke loan milta hai.
- No Collateral – Koi property ya security ki zaroorat nahi.
- Flexible Tenure – Apne budget ke hisaab se EMI select kar sakte ho.
- Quick Disbursal – Paisa turant bank account mein aa jata hai.
Credit Card Loan Ke Nuksan
- High Interest Rate – Interest personal loan se zyada hota hai (15%–24%).
- Processing Fee – Har loan par ek processing charge lagta hai.
- Credit Limit Impact – Loan lene se aapki available credit limit kam ho jati hai.
Kaun Credit Card Loan Le Sakta Hai?
- Jo log regular aur responsible credit card user hain.
- Jinka credit history aur repayment record strong hai.
- Jinke paas fixed minimum monthly income hai.
- Jinke credit card account par koi default nahi hai.
Credit Card Loan Lete Time Inn Baaton Ka Dhyan Rakhne
- Interest Rate Compare Karo – Har bank ka rate alag hota hai, compare karke hi loan lo.
- Hidden Charges Check Karo – Processing fee, foreclosure charges aur GST charges dekh lo.
- Repayment Capacity Analyze Karo – Apna monthly budget calculate karke hi EMI choose karo.
- Credit Score ka Dhyan Rakho – Agar time par EMI repay nahi karte ho to credit score kharab ho jata hai.
Credit Card Loan Vs Personal Loan
| Basis | Credit Card Loan | Personal Loan |
| Documentation | Nahi chahiye | Chahiye |
| Approval Time | Instant | 1–2 din |
| Interest Rate | 15%–24% | 12%–18% |
| Loan Limit | Credit limit ke andar | Income profile ke basis par |
Conclusion
Aaj ke time mein credit card par loan kaise le, ye ek fast aur convenient option hai jab urgent paiso ki zaroorat ho. Apne repayment capacity aur interest rates ko samajhna zaroori hai hai apko loan lene se pehle. Agar responsibly use kiya jaye to credit card loan ek financial backup ban sakta hai.
FAQs on Credit Card Par Loan Kaise Le
Q1. Kya main credit card par loan bina documents ke le sakta hoon?
Haan, credit card loan ek pre-approved facility hai jisme alag se documents ki zaroorat nahi hoti.
Q2. Credit card loan ka interest rate kitna hota hai?
Generally 15%–24% hota hai, lekin bank aur profile ke hisaab se change ho sakta hai.
Q3. Credit card loan lene se mera credit score impact hota hai kya?
Agar aap time se EMI pay karte ho to positive impact hoga, lekin delay karne se score gir sakta hai.
Q4. Credit card loan kya apna mai jaldi close kar sakta hoon?
Haan, magar kuch banks apna prepayment charges lete hain.
Q5. Loan lene ke baad meri credit limit par kya asar padega?
Loan lene ke baad aapki available credit limit kam ho jati hai jab tak aap pura loan repay nahi karte.