Credit Card ka Bill ya Loan Nahi Chuka Paye to Kya Hoga? Darna Nahi Hai!
Loan sahay news June 16, 2025



Credit Card ka Bill ya Loan Nahi Chuka Paye to Kya Hoga? Darna Nahi Hai!

Aaj ke time me credit card sabke paas hota hai. Easy EMI, cashback offers, aur emergency me paisa mil jata hai — sab kuch convenient hota hai. Lekin jab hum bill time pe pay nahi kar pate, to tension hona normal hai.

Par darna nahi hai, solution bhi lana hai.

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1. Late Payment Charges lagte hain

Agar aap due date ke baad payment karte ho, to bank late fee charge karta hai. Ye ₹500 se ₹1500 tak ho sakti hai, depending on your bill amount.

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2. Interest Rate ka Jhatka

Credit card interest rates high hote hain — around 36% per year. Agar full payment nahi hua, to har mahine interest badhta hai.

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3. CIBIL Score kharab ho sakta hai

Jab aap bar-bar payment delay karte ho, to aapka CIBIL score low ho jata hai. Ye aapke future loans ko affect karega — jaise personal loan, home loan, etc.

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4. Recovery Calls aur Notice

Agar 3–6 months tak payment nahi hota, to bank ya third-party recovery agents call karte hain. Legal notice bhi aa sakti hai.

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To kya karein? Solution yeh hai:

✅ Minimum Amount to pay zaroor karein, poora nahi to thoda.

✅ Bank se baat karein, aur EMI option lein ya settlement request karein.

✅ Agar zyada outstanding hai, to personal loan le kar credit card clear karein (jisme interest kam hota hai).

✅ Darna nahi hai, lekin ignore bhi mat karein.

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Conclusion

Credit card bill pay nahi ho paya to ghabrayein mat. Samasya ka solution hai, bas honest aur proactive baniye. Aapka financial future aapke decisions par depend karta hai.

Aapko koi doubt hai ya help chahiye, to humein contact karein — hum loan aur settlement ke solutions mein madad karte hain.

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Credit Card - bank Loan FAQ 2025

1) Axis Bank credit card pe kya reward milta hai?
Axis EDGE Reward Points milte hain, jise shopping, travel - vouchers me redeem kar sakte hain.
2) Axis Bank home loan ka interest rate?
लगभग 8.75 % p.a. se शुरू; final rate credit-score - profile par depend karta hai.
3) Canara Bank credit card par reward points kaise milte?
₹100 spend par 2-4 points; groceries, dining, travel par alag multipliers milte hain.
4) Canara Bank personal loan interest kitna hai?
लगभग 11.15 % se start; CIBIL score - income profile ke hisaab se badh-घट sakta hai.
5) SBI credit card ke top rewards?
SimplySAVE card par groceries/movie tickets par 10X points; Cashback card par flat cashback.
6) SBI home loan ki current rate?
≈ 8.40 % se शुरू; महिला उधारकर्ता ko 0.05 % की अतिरिक्त छूट मिल सकती है।
7) BoB credit card rewards kaise kaam karte?
हर खर्च पर BoB Rewards; points को travel miles, bill payment - shopping vouchers me बदला जा सकता है।
8) Bank of Baroda personal loan rate?
लगभग 10.90 % से शुरू, tenure 60 माह तक; existing customers को प्रोसेसिंग-फीस में छूट।
9) IDFC First Bank card ke key benefits?
Lifetime-free card, 10X reward points on weekend dining - complimentary railway lounge access.
10) IDFC personal loan prepayment charge?
Zero pre-payment/foreclosure charge; interest ≈ 10.49 % p.a. se start.
11) ICICI PAYBACK points earn kaise hote?
₹100 domestic spend par 2 points; partners jaise BigBasket, MakeMyTrip par 4-10X points.
12) ICICI personal loan max tenure?
Maximum 60 months; interest 10.50 % se शुरू, instant digital approval for salary a/c holders.
13) Kotak credit card par fuel surcharge waive?
Kotak Feast/Essentia card par ₹500-3000 fuel spend par 1 % surcharge reversal.
14) Kotak personal loan rate?
≈ 10.75 % se start; instant approval in 60 minutes for pre-approved salary clients.
15) Axis Magnus card ke VIP perks?
Unlimited international lounge, 12 EDGE miles/₹200 spend, Taj Epicure membership.
16) SBI SimplyCLICK card online shopping benefit?
Amazon, BookMyShow, Cleartrip par 10X reward; annual fee ₹499 (first-year free offers)।
17) ICICI Amazon Pay card cashback slab?
Prime users: 5 % Amazon cashback; non-Prime: 3 %; sabhi spends par 1 % base cashback.
18) Canara Gold loan ki rate?
≈ 7 % p.a., LTV ~75 %; quick 30-minute disbursal with basic KYC.
19) Bina salary slip ke loan possible?
हां, कुछ NBFC bank statement + Aadhaar se loan देते हैं; interest थोड़ा higher रहता है।
20) Loan ke liye minimum CIBIL kitna?
Personal/credit-card loan के लिए 700+ safe; secured loan (home/car) 650 par bhi possible hai.