The Hidden Charges.

In comparison to earlier, all your banks have already opened and there are many such banks for which you do not even need to go anywhere physically, you can open your bank account sitting at home and or you can get all types of credit cards and debit cards from any bank here. Answer in Hindi: At the beginning of opening an account anywhere then you feel bad that you should get this card also and there is no charge in this also but when one year passes then you come to know that charges have started appearing in these, then you come to know which cards are free and which are not, because in the beginning all the bank employees have their targets and they too have to add more and more customers to their bank, if you are in a city then every bank is developed there but in rural areas or roller areas there are only a few selected banks and they too have very less staff, so in such situation, if there are any staff people, you have to get this thing done and it is necessary then maybe you agree to it also.

In the name of Digital India, all people's bank accounts have been opened, but many people do not know anything about bank-related applications and other things. They are still uneducated about those things and probably because of this many people become fools and get them many things which they do not even need. Many people get calls for credit cards. I also got one a long time ago but I refused because I do not need it. Like, in my office almost everyone has a credit card and whenever I need to get something, I take their help and it benefits them as well as me.

Look, first of all, no matter which card it is, nothing is free because everyone has to pay the salary to their staff and do other things as well. Even if you take a normal ATM card, then also you have to pay a maintenance fee. You might be spending this on maintenance of the machine and other things. Whatever the reason, a maintenance fee is required for everything. Similarly, if you are taking a credit card, then you have to pay some fee every year. Yes, some cards claim to be free but if you want, you can do this as well. If you shop above a limited amount for the whole year, then you probably won’t have to pay any kind of charge. You must have often noticed that if you use a credit card these days and no matter how much you pay, after some time you start getting a call from the bank that you can convert this amount into EMI because if you are paying directly then probably the bank will not get any benefit from you but if you convert this thing into EMI then the bank makes a profit and then they charge you a lot of hidden charges in the name of EMI and this is where they earn money. I often pray that I buy anything at one go so that I don't need to buy anything in EMI.

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Translated with Google Translator, thanks

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