Credit Card vagaigal
Credit Cardgal palavitham!
thevaigal, silavugalaip porutthe Credit kaartai tervu chaiyyavendhum.
Credit Cardgalil palavagai undhu. yaarukku aindhavagai Card kidaikkum, aindhavagaiyaan Card yaarukku payanulladhaak irukkum ainbadhai vilakkamaak aidhutthuch chonnaar chainnai annaanagar kilai, aaksis penk, muthanmai virpanai adhigaari vinot.
palavagai Cardgal!
Classic Card / silver Card:
kuraindhabatch aandhu varumaanam kondavar kalukku indhavagai Card kidaikkum. aandhu varumaanatthai adhippadhai tagutiyaagak kondaalum, vinnappadhaararin Credit madhippu nanraak irukkum patchatthil indhavagai Card kidaikkum.
chil niruvanangal matthume indhavagai Credit Cardgalai taruginran. kuraint varumaanam kondavargal, aippotaavathuavacharat thevaigalukku matthum payanbathutthalaam aingir vagaiyil int kaartai payanbathutthalaam. nigar varumaanatthil irundhu 30% varai kathan varambu irukkum.
Gold Card:
kuraindhabatch varumaanap pirivinarukkaanathuidhu ainraalum, chipilil Credit madhippu nangu paraamarippavargalukku int vagai Card kidaikkum. nigar varumaanatthilirundhu 30% Credit varambu kidaikkum.
silver kaartai payanbathutti muraiyaak thiruppich chailutthu kiravargalukku kathan varambai adhigaritthu indhavagaiyilaan Card anumadhikkappathum. Card payanbaathuadhigamaak ullavargal int kaardhinai vaangikkollalaam.
Platinum Card:
uyar varuvaaip pirivi narukku indhavagai Card porutthamaanathu. Credit Card moolam adhik silavu chaiypavargal int vagaiyilaan kaardhinai vaangikkollalaam. thavir, vinnappadhaararin varumaanatthin adhippadhaiyil adhigabatch kathan varambu tarappathum. indhavagai Cardgalil vimaan niruvanan kalin erves Cardgal kidaikkum.
titanium Card:
idhuvum uyarvarumaanap pirivinarukkaanathu. int vagai yilaan Credit Cardgalukku kathan varambu kithaiyaathu. neendhanaal vaadhikkaiyaalaraak irukkum uyar varumaan pirivinarukku indhavagai Cardgal odhukkappathum. kurippaak, adhik varumaanam kont chuyatolil chaiypavargalukku indhavagai Cardgal porutthamaak irukkum.
petrol Card:
neent payanam merkolpavargal, adhikkadhi chont vaaganatthil vailiyoor chailpavargal, iruchakkar vaaganatthai adhigam payanbathutthupavargal int kaardhinai vaangik kollalaam. int kaardhinai payanbathutti petrol silavu chaiythirukkumbatchatthil chalugaiyaak pulligal tarappathum. idhu niruvanatthukku niruvanam verupathum. ore niruvanam palveru petrol niruvanangaluthan kootthuvaittirukkum Cardgalum kidaikkum. ungal thevaikku erp int Cardkku vinnap pikkalaam.
Airlines Card:
Platinum matrum titanium Card vagai vaadhikkaiyaalargalukku int vagai Cardgal tarappathum. adhikkadhi vimaanap payanam merkolpavargal indhavagai Cardgalai vaangalaam. naam payanbathutthum togaikku erp rivaartu paaiint allathukeshpek aahpar kidaikkum.
Shopping Card:
pairunagarangalil ull Shopping maalkal vaitthull niruvanangalodhu kootthu vaitthukkondhu tarugir Card idhu. (udhaaranamaak, shaappars staap Credit Card). petrol Card, Airlines Card pol adhikkadhi Shopping chaiypavar kalukku indhavagai Cardgal payanbathum.
Add-on Card:
oru kurippitth Credit Cardthan inaint koodhudhal Card idhu. ithargain thaniyaak Credit madhippu aidhuvum kithaiyaathu. kanavan / manaivi / kulandhaigal ain ore kutumbatthaich cherndhavargal thanitthaniyaak Credit kaartai payanbathuttik kollalaam. oru Credit Cardkku adhigabatchamaak moonru Add-on Card varai anumadhikkappathum.
ungal thevai allathuneengal chaiyyum silavaip porutthu ungalukku porutthamaan Credit kaardhinai neengale mutivu chaiydhukollungal.
neerai.makenthiran.
ungalukkuk kidaikkuma?
vinnappadhaararukku adhippadhait tagutiyaak, maadhach chambalam pairupavar ainil, aandhu varumaanam kuraindhabatcham Rs.1,80,000 irukkavendhum. int varambu niruvanatthukku niruvanam verupathum. chil niruvanangal int varambai Rs.2,00,000 - 2,40,000 ain vaitthullan.
chondhamaak tolil chaiypavar ainil, Rs.1,50,000 varai varumaanam irundhaalkoot chil niruvanangal Credit Card taruginran. aanaal, vaadhikkaiyaalarin aandhu varumaanam adhigarikk adhigarikk kathan pairum tagutiyum adhigarikkum. adharkerp adhik kathan varambu kont Credit Cardgal pair taguti udhaiyavaraavaar.
Credit Card pair vayathum oru mukkiyamaan tagutiyaak paarkkappathugirathu. kuraindhabatcham 18 vayathuniraivadhainthirukk vendhum. adhigabatchamaak 70 vayathuvarai anumadhikkappathum. ithilum, niruvanatthukku erp vittiyaachangal undhu. chil niruvanangal 60 vayathuvarai matthume Credit Card taruginran. aanaal, maadhach chambalakkaarargal matrum chuyatolil chaiypavargalukku adhigabatch vayathuvarambil vittiyaacham kithaiyaathu.
kadanukkaan vatti:
aippadhi kanakkidhugiraargal?
Credit kaartil vaangiy kathanai iaimai muraiyil katthalaam ainbathuadhilull koodhudhal chirappu. chirugachchiruk katthamutiyum ainil, iaimai muraiyait terndhaidhukkalaam. Credit Card kathangalukku hpiksat ret, veriyapil ret ain irandhu muraigalil vatti kanakkithappathugirathu. aanaal, vattiyaik kanakkidhuvadhil ovvoru niruvanamum ovvoru muraiyaip pinbatruginran.
chil niruvanangal Credit kaalatthukkul vatti kithaiyaathuainru chonnaalum, praasasin chaarjas ponr katthanangal chil porutkalukku allathuchevaigalukkup pithikkappathum. indhak katthanangal pithikkappathuvadhillai ain ivatrai aahpargalaak chil ithangalil valangappadhalaam.
kurippitth Credit kaalatthukkul panatthaik katthividhuvathunallathu. taamadhamaagum ovvoru naalukkum vatti kanakkithappathum. melum, putithaak vaangum porutkalukkaan Credit kaalam ratthu chaiyyappatthu avatrukkum vaangiy mudhal naalilirunte vatti kanakkithappathum. adhaavathu, muluvathumaak Credit kaalam kithaiyaathu. ithanodhu chertthu taamadhak katthanam, praasasin chaarjas, abaraadhak katthanam ain ungal kalutthai nairikkalaam.
porutkalai vaanguvadhaivit panamaak aidhukkirapodhu vatti adhigam. porutkal vaangugirapodhu, maadhatthukku kuraindhabatcham 2% vatti vithikkappathum ainil, panamaak aidhutthaal maadhatthukku kuraindhabatcham 4% allathuadharkum adhigamaagave vatti vithikkappathum.
iaimai kanakkidhumpodhu hpiksat ret kanakkidhum murai, udhaaranamaak 2 chadhavikit maadhaanthir vatti ainru vaitthukkolvom. Rs.20,000 Credit Card moolam silavu chaiydhullom ainraal, ithai iaimai muraikku maatrikkoll vendhum. (20,000x2/100=400 maat vatti) ithai namathuiaimai maathangalukku erp kanakkitthuk kollalaam. maarupathum vatti vikithatthil maadhaamaadham kathan niluvai kuraiyumpodhu adharkerp vatti kanakkithappathum. anumadhikkappatth alavait (Credit limit) taanthi payanbathutth vendhaam. itharku thaniyaak katthanamum, vattiyum kanakkithappathum. ainave, alavukkul payanbathutth vendhum. Credit kaartil ovvorunaalukkum vatti kanakkithappathum ainbadhai marandhuvit vendhaam.
panamaak aidhutthirundhaal, adhai stetmaintil kurippithappathum tethikkul panamaak katthividhuvathunallathu. kurippaak, kaacholaiyaagach chailutthavum. kaacholaiyil panam illaamal thirumbinaal adharkaan katthanam, abaraadham avatrukkaan ithar katthanangal kanakkithappathum.
