Credit Card Tips: Keep these three things in mind while using a credit card..

Today, every work can be done with a credit card, for which people keep a debit card. This is the reason why the use of credit cards has started increasing, like debit cards. But it is a kind of loan. The difference between a debit and credit card is that you do not get benefits like cashback and reward points with a debit card.

If you also use a credit card, then keep these things in mind. Let us know what those three important things are

Keep these things in mind.
Charges
The reward points and cashback of a credit card attract users. But many types of hidden charges are hidden in it. About which people do not know. Users have to pay late payment fees, joining fees, renewal fees, and processing fees.

If you make a credit card payment late or are not able to do so on time, then you may have to pay heavy late fees.

ATM withdrawal fees
Do not withdraw cash from an ATM even by mistake using a credit card. If you do this, you may have to pay a hefty charge. This charge is usually 2 to 3 percent. So, as much as possible, use a debit card while withdrawing cash.

Using 30 percent

Credit card gives a limit of up to lakhs of rupees for use. But you have to use only 30 percent of the credit card, by doing this you do not get burdened. If you use more than 30 percent of the limit, then you may have trouble paying later.

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