Credit Card: Credit card hman hlawk dan leh a hlauhawmna

 Credit Card hi hman thiam chuan hmanraw ṭha leh ṭangkai tak, sum renna leh 'Credit Score' ṭhatna a ni a. Mahse, hman sual erawh chuan ba (debt) lian takah min hnuhluh theih avangin fimkhur a ngai hle.

Mizo zinga Credit Card hmang kan pun zel rual hian, a hman hlawk dan leh a hlauhawmna i lo en ang u.

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Credit Card Hman Hlawk Dan (Benefits)

Credit Card i neih chuan heng a hnuaia tarlanah hian i hlawkpui em em dawn a ni:

1. Credit Score Siamṭhat Nan

Bank atanga Loan (In sakna, Motor lei na, etc.) i dil hian i 'CIBIL Score' an en hmasa ber ṭhin. Credit Card hmanga thla tina i hman apiang hun taka i pek let (repay) hian i score a lo sang a, nakinah loan lak a awlsam phah hle.

2. Reward Points leh Cashback

Debit Card-ah chuan pawisa i hman hian engmah i hlawh let tawh lo. Credit Card-ah erawh i hman apiangin 'Reward Points' i hlawh a, chu chu Online shopping-ah emaw, Gift Voucher-ah i thleng leh thei a ni.

3. Emergency Fund

Thut-dawt-ah pawisa mamawh thut i neih a, i Bank account-ah a awm rih loh chuan Credit Card hi 'Emergency' atan a hmanraw ṭha ber a ni. Thla tawpah i hlawh a luh hunah i rul leh mai dawn a ni.

4. No Cost EMI

Thil to deuh (Phone, Laptop, Fridge) i lei dawnin tlem tlema thla tina rulh (EMI) a ngai ṭhin a. Credit Card tam takah hian a pung (interest) awm lova thla 6-12 rual theihna 'No Cost EMI' an pe ṭhin.

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Credit Card Hlauhawmna (Risks)

Fimkhur loh chuan he hmanraw ṭha tak hi 'Tangkang' (Trap) ah a chang thei:

1. Interest Rate San Lutuk

Credit Card hian 'Interest Rate' a nei sang em em. Hun taka i pek (due date) i pelh chuan kum khatah 36% atanga 42% lai a pung a ni thei. Chu chu Bank loan pangngai (10-12%) aiin a let 3-4 in a sang zawk.

2. Minimum Amount Due Trap

Bank hian bill i dawnin "Pek tur zawng zawng" leh "Minimum Amount Due" (A tlem ber pek tur) an rawn ti ṭhin. Mi tam takin a tlem ber kha an pe a, an ba a tlem phah emaw an ti ṭhin.

• Hriat tur: Minimum chauh i pek chuan a bak la awm zawng zawng kha a pung (interest) a rawn kal nghal dawn a, i ba a pung tulh tulh dawn a ni.

3. Cash Withdrawal (ATM atanga pawisa lak)

Credit Card hmang hian ATM atangin pawisa lak chhuah miah loh tur a ni. I lak chhuah rual rual khan 'Cash Advance Fee' leh 'Interest' a rawn kal nghal a, a to em em a ni.

4. Overspending (Sum hman hiau)

Mahni pawisa ni lova Bank pawisa kan hman avangin, kan mamawh baki hman a awlsam hle. Hei hian ba lian takah min hnûlût ṭhin.

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Credit Card Hman Dan Fing (Tips)

Thil tih tur	A chhan
Hun takah rul rawh	A pung (Interest) leh Penalty pumpelh nan.
30% chauh hmang rawh	I limit ₹1,00,000 a nih chuan ₹30,000 bak hmang suh (Credit Score tan a ṭha).
Bill pumpep pe ziah rawh	Minimum Amount Due trick-ah khan awk suh.
Mobile App Monitor rawh	I hman zat leh i bill date i hriat reng nan.

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Tlipna

Credit Card hi "Free Money" a ni lo a, "Short term loan" a ni zawk tih hria la. I hman zat apiang kha i account-ah rulh lehna tur i nei sa tih i chian chuan hman a hlawk em em a ni.