The ultimate desire of anyone who does any business in this world is profit and if we are doing this credit card business many banks and financial institutions give free credit cards there is no annual maintenance charge they go around us and call us daily but if we really do what they say in just one month these companies will be out of business with all the losses but today HDFC ICICI AXIS doing the same credit card business and many other banks and credit card companies are earning thousands of crores every year in this business. The point here is that the customers who are supposed to be profiting are losing if the companies that are supposed to be losing are making a profit but there are days when many of you who are watching the mantra come to pay your credit card bill and borrow too much from your friends to pay the credit card bill. In fact even those who earn 50 thousand to one lakh rupees per month are already facing the situation of not being able to pay the credit card bill at the end of the month and what kind of business is this credit card company doing
And is the mistake in the credit card or is it among us who are using it who should use the original credit card and how to use it today I am going to tell you that the reason this credit card company is giving you offers is to spend more with you because you will get more money whenever you spend more than your salary then you definitely cannot pay your credit card bill Let us see if the credit card company in India does not pay the bill on time they charge 2.5 percentage to 3.5 percentage interest. This is actually not everything otherwise this interest is not only for a year but for a month. If you calculate it for a year it is almost 35 to 42 percentage. In the form of just interest this credit card company charges us because the story is not over yet apart from this 42 percentage interest they charge 400 to 1300 as late payment every month. These credit card companies are taking away from us think about it wherever you invest your money like bank fixed deposit mutual funds and even stock market if you invest in average and legal you will get 15 to 20 percent profits legally 40 to these credit card companies 40 to 50 percent comes from us in the form of interest and penalties
Once you are unable to pay your credit card bill on time you are stuck in the credit card trap interest late payment fee penalty fines along with extra money from your salary, will take away from you and sink you into the well of debt many of the credit card users face this problem at least once so when the month ends they want to try to pay the credit card bill no matter what. According to the research conducted at the MIT School of Management Institute in the United States it has been found that they pay more than with the credit card, and to know the reason for this two people were selected one of them paid all their payments in cash and the other paid all their payments in credit card only. If they sat in front of an online shopping set and MRI scanned their brains who used credit cards and bought expensive things and spent more than necessary their brains the hormone dopamine is released more in the brain.
The work we do in an edition motivates us to do more. If you want to understand it practically consider this example. A man named Ravi has two children. They are Ram and Shyam. Ravi gave ten thousand to his two children to go shopping they gave him a credit card and told him to spend only ten thousand So after completing the shopping both of them came home in the evening and there were still 2000 left in the 10,000 given to Ram but Shyam was told to spend 10000 and he spent 13000. In fact what happened here is that every time he opens it he notices that the money is decreasing so even if he has money he cannot spend it quickly but that is not the case with Same he will spend more than the said ten thousand the point here is that whenever you pay in cash then you are emotionally connected to money so you can not spend more we are buying and spending more most of us who have a monthly salary of 50 thousand to one lakh rupees have to pay the credit card bill at the end of the month.
If you want to know more about this read this article published on the busy website or far we have only seen the problems caused by the credit card solutions and corrections now let us see how to use it we can cut vegetables with it we can cut our hands Credit card our financial future is decided based on how we use it major reason we get stuck in credit card trap is spending more than we need How to overcome this what are the bills you have to pay every month only on credit card pay Like groceries electricity bill gas and fuel Charges all these are the bills that you have to pay every month for sure generally many people use cash and debit card for these a major reason for getting stuck in is that we spend more than we need how to overcome It Pay the only bills you have to pay each month on a credit card
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