Debit card ek electronic payment card hota hai jo aapke bank account se direct connection rakhta hai. Ye card aapko ATM withdrawals, online shopping, point-of-sale transactions, aur anya financial transactions ke liye use karne ki suvidha deta hai.
Jab aap debit card ka upyog karte hain, toh transaction amount directly aapke linked bank account se deduct hota hai. Agar aap kisi store me debit card use kar rahe hain, toh aapko apna PIN (Personal Identification Number) enter karna hota hai. Online transactions me, aapko card details, CVV (Card Verification Value), aur expiry date enter karna hota hai.
Debit card aapke bank account se juda hota hai, isliye iska upyog karne ke liye aapke paas sufficient funds hona chahiye. Agar aapka bank account me transaction amount se kam balance hai, toh transaction decline ho jayega.
Debit card aapko apne available funds ke andar transactions karne ki anumati deta hai, jisse aap apni vyay khapat par control rakh sakte hain. Isme aapko kisi bhi tarah ki unsecured loan ki zaroorat nahi hoti hai, kyunki transaction amount aapke available funds se direct deduct hota hai.
Debit card aapko ATM se cash withdrawal karne ki bhi suvidha deta hai. Aap apne bank account se cash nikal sakte hain debit card ka upyog karke.
Debit card aur credit card ke beech ek mukhya antar ye hai ki debit card aapke available funds se transaction amount deduct karta hai, jabki credit card par aapki bank ya financial institution aapko credit provide karti hai, jise aap baad me bill payment ke through clear karte hain.
Debit card ka upyog karne se aap apne expenses ko track kar sakte hain aur overdraft ya interest charges se bach sakte hain. Ye card aapko convenience aur security provide karta hai, lekin dhyan rakhe ki aap apni card details ko secure rakhe aur transactions ko carefully monitor kare.
