कैसे तय होती है क्रेडिट कार्ड की सीमा? जानिए

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डेबिट कार्ड की तरह वर्तमान में क्रेडिट कार्ड का भी उपयोग भी आम हो गया है

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ऐसा इसलिए क्योंकि, इसमें रिवॉर्ड और कैशबैक जैसे लाभ मिल जाते हैं

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क्रेडिट कार्ड में आप दी गई सीमा से ज्यादा खर्च नहीं कर सकते। आइए जानते हैं बैंक क्रेडिट सीमा कैसे तय करता है और इसे कैसे बढ़ाया जा सकता है

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बैक या कोई भी वित्तीय संस्थान क्रेडिट कार्ड सीमा तय करने से पहले कई जरूरी बातों पर गौर करती है.

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सबसे पहले देखती है कि आपको हर महीने कितनी सैलरी मिलती है और उसके नौकरी का पेशा कैसा है, क्या वे स्थिर है या नहीं

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बैंक आपके लेन-देन पैटर्न को भी देखता है। अगर, आप जिम्मेदारी और ढंग से खर्च करते हैं तो आपको अच्छी सीमा दी जाती है

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अगर, पहले से ही आपके ऊपर ज्यादा लोन या EMI का बोझ है तो कार्ड देने वाली संस्था मान सकती है कि आप कार्ड के भारी बिल का भुगतान करने में असमर्थ रहेंगे

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इस कारण सीमा कम रखी जाती है

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