Credit card ,Debit Card and Prepaid Card

Type Of Cards In Banking System-

Banking System Me 3 Trah Ke Card Hote Hai,Debit Card,Credit Card Prepaid Card

To Chaliye Ham Sabse Pehle  Debit Card Ke Bare Me Bat Karte Hai

Debit Card- Apni Dalily Life Me Mostly People Debit Card Ka Use Karte Hai ,Simply Language Me Debit Card Ko Atm Card Kaha Jata Hai.Debit Card Ka Mtlb Hota Hai Ki Jitna Customer Ke Ban K Account Me Balance Hota Hai Utna Ham Debit Card Ki Madad Se Uske Account Se Withdraw(Nikal) Sakte Hai.

·         Debit Card Ke Liye Hmare Pass Bank Account Ka Hona Jrruri Hai

·         Debit Card  Hmare Bank Account Se Link Hota Hai

·         Debit  Card  Withdraw Ke Liye Hmare Account Me Balance Hona  Jrruri Hai

·         Debit Card Se Ham Atm Se Money Withdraw Kar Skte Hai Or Online Purchase Kar Skte Hai

·         Debit Card Ki Madad Se Ham Dusre Account Me Me Money Trasfer Kar Sakte Hai

·         Debit Card Apko Bank Ke Dwara Free Of Cost Provide Kiya Jata Hai

Credit Card-

Credit Card Me Hm Debit Card Ki Trah He Atm Machine Se Money Withdraw Kar Sakte Hai But Credit Card  Me Limit Set Hoti Hai Money Withdraw Karwane Ki,Credit Card Sbhi Logo Ko Issue Nhi Hota ,Credit Card Logo Ke Annual Income Ke Upper Depend Karta Hai.

·         Credit Card Bank Dwara Issue Kiye Jate Hai Ya Fir Non Banks Authority But Jo Rbi Dwara Approved Hoti Hai

·         Credit Card Ka Use Aap India Me To Kar Skte He Ho(Domestically) Balki Other Country(Internationally) Me B Iska Use Kar Skte Ho

·         Credit Card Ki Mdad Se Ham Kisi Account Me,Kisi Debit Card Me,Kisi Credit Card Me,Prepaid Card Me Money Bhej Sakte Hai

Prepaid Card-

Prepaid Card Ka Use Is Bat Pe Depend Karta Hai Ki Ise Issue Kiske Dwara Kiya Gya Hai,Ise Banks Or Non Banks Be Issue Karte Hai

Prepaid Card Lene Ke Liye Customer Ko  Advance Me Amount Pay Karma Hota Hai,Ye Amount Customer Ke Prepaid Card Me Store Ho Jata Hai Or Wo Jab Chahe To Ise Use Kar Skta Hai.

·         Prepaid Card Hmare Bank Account Se Link Ne Hota

·         Aap Maximum 50000 Rs Kbhi B Apne Card  Me Jma Karwa Skte Hai

·         Jo Prepaid Card Bank Ke Dwara Issue Hote Hai Aap Uska Upyog Atm Se Money Withdrawn Karne ,Online Shopping Etc Karne Ke Liye Use Kar Skte Ho

·         Domestic Transfer Kar Skte Ho Ek Account Se Dusre Account Me,Is Trah Ke Card Ko Open System Prepaid Card Kaha Jata Hai

Or Jo Prepaid Card Non Banks Authorised Dwara Issue Kiye Jate Hai  Unhe Semi Closed System Prepaid Card Kaha Jata Hai.Inka Use Aap Sirf Online Purchasing  Aur Fund Transfer Karne Ke Liye Kar Skte Ho  Domestically(Means Only In India)

Prepaid Card Ki Ek Kmi Hai Ki Aap Iska Use Sirf Domestic Puposes Ke Liye He Kar Skte Ho

Diffrence Between Debit Card And Credit Card-

·         Debit Card Only   Bank Dwara Issue Kiye Jate Hai But Credit Card Bank Aur Non Bank Authority(Rbi Approved) Dwara Provide Kiye Jate Hai

·         .Debit Card Bank Account Hote Hai But Credit Card  Provider Par Depend Karta Hai  Bank Dwara Provide Kiye Gye Credit Card Bank Account Se Link Hote Hai Non Bank Authority Wale Nhi Hote

Difference Between   Debit Card And Prepaid Card-

·         Dono Ka Upyog  Money Withdrawan Krne Ke Liye Hota Hai Jitna Card Me Balance Hota Hai

·         Dono Ka Use Online Purchasing ,Point Of Sale(Pos) Karne Ke Liye Hota Hai……      …………

·         Debit Card Kisi Be Amount Ko Store Kar Sakta Hai   But Prepaid Card  Ek Time Me Only 50000 Limit Ka Amount He Store Kar Skta Hai..

·         Debit  Card  Sirf Banks  Bank Dwara Issue Krwaye Jate Hai  But   Prepaid Card  Bank Or Non Bank Entities Dono Ke Dwara Issue Krwaye Jate Hai Ka Use .

·         Debit Card Ka Use Karke Ham Atm Machine Se Money Nikal Sakte Hai But Prepaid Card Ka Use Kake Ham Atm Machine Se  Money Nahi Nikal Sakte.

Some Banks Full Forms-

PNB-PUNJAB NATIONAL BANK

HDFC-HOUSING DEVLOPMENT  FINANCE CORPORATION

ICICI-INDUSTRIAL CREDIT AND INVESTMENT CORPORATION OF INDIA

IDBI-INDUSTRIAL   DEVELOPMENT BANK OF INDIA

IFCI-INDUSTRIAL FINACE CORPORATION  OF INDIA