Debit Card vs Credit Card: Kab Kaunsa Use Karo

Dono swipe same tarah hote hain, par behave bilkul alag karte hain.

Credit card jeetta hai

• Rewards & offers: Zyadatar cashback, points aur instant discount credit card pe hote hain.
• Safety: Fraud dispute aasaan; jhagde ke dauraan aapka apna paisa block nahi hota.
• Credit banana: Time pe credit-card bill CIBIL score banata hai. Debit se nahi.

Debit card jeetta hai

• Discipline: Utna hi kharch jitna paisa hai — na bill, na interest.
• ATM cash aur chhote daily kharche jahan koi offer na ho.

Trap se bacho

Credit tabhi "free" hai jab poora statement har mahine chuka do. Balance carry kiya to interest (aksar 30%+ saalana) saare reward kha jaata hai.

Rule: rewarded/disputable kharche credit pe daalo aur bill poora bharo; jahan overspend ka darr ho wahan debit use karo.