 कैसे Cibil Score खराब करता है क्रेडिट कार्ड का Use?

कैसे Cibil Score खराब करता है क्रेडिट कार्ड का Use?

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इस नए दौर में Credit Card बहुत जरूरी हो गया है. लेकिन इस क्रेडिट कार्ड का सही तरीके से इस्तेमाल न करना कई बार महंगा भी पड़ सकता है

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इसका सीधा असर आपकी Financial Health पर पड़ता है. खासकर तब जब आप क्रेडिट कार्ड की लिमिट का जरूरत से ज्यादा इस्तेमाल करते हैं

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अगर आप अपने क्रेडिट स्कोर को बनाए रखना चाहते हैं, तो लिमिट के सिर्फ 10 से 15 फीसदी हिस्से का ही इस्तेमाल करना बेहतर होता है

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अगर आप हर महीने अपनी लिमिट का 30 फीसदी से ज्यादा खर्च करते हैं, तो यह आपके क्रेडिट स्कोर को Negatively प्रभावित कर सकता है

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कई बार लोग बड़े-बड़े खर्चों के लिए अपने ही अकाउंट में पैसा ट्रांसफर कर लेते हैं और जब बिल चुकाने की बारी आती है, तो उन्हें पर्सनल लोन तक लेना पड़ता है

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ऐसे में उनका क्रेडिट स्कोर खराब हो जाता है, जिससे फ्यूचर में लोन लेने या Financial Decisions लेने में परेशानी होती है

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इसके अलावा, अपनेCredit Score पर भी समय-समय पर नजर रखना बहुत जरूरी है, ताकि आपको पता चलता रहे कि आपका स्कोर कैसा चल रहा है

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एक और अहम बात यह है कि अपने पुराने क्रेडिट कार्ड बंद न करें, क्योंकि लंबे समय तक एक्टिव रहे क्रेडिट कार्ड से आपका Credit Score बेहतर बना रहता है

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अगर आप इन बातों का ध्यान रखेंगे, तो क्रेडिट कार्ड से जुड़ी परेशानियों से बच सकते हैं और आपका Credit Score भी सही बना रहेगा

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