Introduction
Aap apne credit card se paise kaise nikale ji hai aap vo bhi kar sakte ho apne credit card se shopping k sath sath.
Ek bahut hi great and best financial tool hai aaj ke time mei jiska naam hai “Credit Card”.
Lekin logon ko aksar yeh doubt hota hai ki credit card se paise kaise nikale, kya charges lagte hain aur iske kya fayde-nuksan hote hain jo ki neechey article mei diye gaye hai apke liye.
Credit Card Se Paise Kaise Nikale?
Credit card se paise nikalna bilkul ATM se normal cash withdraw karne jaisa hi hai. Bas difference yeh hai ki jab aap debit card se cash nikalte ho to wo aapke bank account se cut hota hai, lekin jab aap credit card se cash nikalte ho, to wo bank aapko loan ki tarah paisa deta hai.
Steps to Withdraw Money from Credit Card
- Apna credit card ATM machine mein insert karein.
- PIN enter karein jo aapne card activation ke time set kiya tha.
- “Cash Withdrawal” option select karein.
- Jo amount nikalna chahte ho, enter karein.
- Machine se paisa nikal jaayega aur receipt bhi milegi.
Tip: Har credit card par ek cash withdrawal limit hoti hai jo aapke credit limit ka ek percentage hota hai (jaise 20%-40%).
Credit Card Cash Withdrawal Charges
Yeh jaan lena zaroori hai ki credit card se cash withdrawal free nahi hota. Har bank alag-alag charges lagata hai.
- Cash Advance Fee: 2.5% se 3% tak ya ek fixed minimum fee (jaise ₹500).
- Interest Charges: Cash withdrawal par interest immediately lagna shuru ho jaata hai, grace period nahi milta. Interest rate 2.5%-4% per month ho sakta hai.
- ATM Usage Fee: Agar aap kisi dusre bank ke ATM se paise nikalte ho to extra charge lag sakta hai.
Example: Agar aap ₹10,000 withdraw karte ho aur bank ka cash advance fee 2.5% hai, to ₹250 + GST turant lag jaayega. Saath hi interest bhi monthly add hota rahega jab tak aap repay nahi karte.
Credit Card Se Paise Nikalne Ke Fayde
- Emergency mein madad – Jab urgent paisa chahiye aur account mein balance nahi hai.
- Worldwide acceptance – Aap kisi bhi ATM se paisa nikal sakte ho.
- Short-term liquidity – Turant cash requirement fulfill ho jaati hai.
- Easy process – Bilkul debit card ki tarah ATM se paisa nikal jaata hai.
Credit Card Se Paise Nikalne Ke Nuksan
- High interest charges – Normal shopping par jo grace period milta hai, wo cash withdrawal par nahi milta.
- Extra fees – Cash advance fee + GST lagta hai.
- Credit score par impact – CIBIL score kharab ho sakta hai kya agar repayment delay ho jaye.
- Limited cash limit – Puri credit limit withdraw nahi kar sakte, sirf ek portion hi nikal sakte ho.
Alternatives to Cash Withdrawal
Credit card se withdrawal se pehle in options par sochiye agar apko cash chahiye ya cash nikaalna hai:
- UPI Payment using Credit Card (kuch apps allow karte hain).
- Balance Transfer to Bank Account (Paytm, Cred, etc. ke through).
- Personal Loan on Credit Card – Low interest aur easy EMI option.
Best Practices for Credit Card Cash Withdrawal
- Sirf emergency mein hi cash withdrawal karein.
- Jitni jaldi ho sake, withdraw amount ko repay karein taaki interest kam lage.
- Har mahine credit card statement ko check karein.
- Aap personal loan consider kar sakte hai, agar apko baar baar cash chahiye hota hai.
Conclusion
Ab aapko clear idea mil gaya hoga ki credit card se paise kaise nikale aur iske charges kya hote hain. Cash withdrawal ek emergency option hai, lekin hamesha isse avoid karna chahiye kyunki charges high hote hain. Agar aap responsible tareeke se use karte ho, to credit card aapke financial life ko easy bana sakta hai.
FAQs – Credit Card Se Paise Kaise Nikale
1. Kya main unlimited cash withdraw kar sakta hoon apne credit card mei debit card ke tarah?
Nahi, credit card mein ek cash withdrawal limit hoti hai jo usually total credit limit ka 20-40% hoti hai.
2. Kya credit card se paise nikalne par interest turant lagta hai?
Haan, shopping ke comparison mein cash withdrawal par grace period nahi milta. Interest immediately lagna shuru ho jaata hai.
3. Kya credit card cash withdrawal se CIBIL score par effect padta hai?
Agar aap timely repayment karte ho to score par impact nahi hota, lekin late payment karne se CIBIL score kharab ho sakta hai.
4. Agar apko cash withdrawal karna hai toh uske liye konse credit cards best hote hain?
Jiss credit card mei low cash advance fee aur interest rate hota hai, usko premium category credit card mei aata hai usey aap cash withdraw kar sakte hai
5. Kya solution hai agar muje baar baar cash withdrawl karna padh raha hai?
Aapko personal loan lena chahiye ya phir balance transfer facility use karni chahiye, kyunki unka interest rate kam hota hai.