want in detail the advantages & disadvantages of plastic money in Marathi

marathi detail about the advantages & disadvantages of the plastic money

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marathi advantages & disadvantages of Plastic Money in detail

kindly supply me in marathi detail advantages & disadvantages of the plastic money






yours truly
j.s. Thakur

Kay bogas website ahe be he kahi information nahi dakhavat

plastic money marathi information advantages and disadvantages

Technology has changed the way we deal with money giving us more convenience and easy access to funds from anywhere. It all started with a simple credit card that allowed you to make purchases today and pay later.Further, technological advancements lead to a new trend where most banks gave you one ATM card or debit card which can be used for withdrawing money as well as for making purchases or payments – offline as well as online.

However, plastic money has its share of issues that one must be careful about. Plastic money definitely provides an alternative in some cases and compliments cash as a medium.

Convenience of Plastic Money
Peter, a young MBA graduate joins a large software firm as a Business Development Executive. His job involves frequent travelling and meeting with leads and clients to develop business for the organization. This requires him to spend a lot on travel, food, stay, etc and keep track of his expenses.
Since he may require a lot of cash for inter-city travel which can span a few days or weeks he preferred to use his debit card or credit cards.

For instance he could use his card to pay for hotel stays where cards were commonly accepted. Similarly for travel he could book tickets online, while for food he had to rely on cash.

However, with his debit card he could withdraw cash whenever required which made his life easier. Even if he forgets to carry cash he can use his debit card to withdraw funds whether required.

Advantages of Plastic Money
There are several advantages of plastic money as seen in the above illustration. The advantages include

Eliminates the need for carrying huge cash: This eliminates the need for carrying huge load of cash which is risky and inconvenient too.
Risk of Loss or Theft minimized: In case of cash there is a high risk of losing cash and a chance of cash getting stolen. However, in case of debit/credit card you can report the matter to the bank and block the card to avoid misuse.
Anytime/Anywhere Access Using cards you have the unique advantage and convenience of using it anywhere in the country or even abroad.
Credit Facility: In case of credit card you have the option of buying on credit or paying later. Although the charges are high, it helps you in case of emergencies and contingencies.
Online Payments: You can use cards for online payments, fund transfers and various other transactions.
These are the key benefits which I can easily remember, but there could be various other good features too that are specific to certain cards.

Disadvantages of Plastic Money
So far I’ve been sounding like a nice, pleasant Bank Executive who is convincing you to open an account. Please note a few points before we look at the disadvantages of plastic money

Cards/plastic money is not a complete replacement for cash
Use of cards can also be risky in some cases
Note: I’m not saying that cards are not useful because of these drawbacks. The disadvantages are just to make you aware of any risks, threats, etc so that you can use it carefully.

Some of the drawbacks or risk related to cards are
1. Non-Acceptance at Small Retail Outlets

Unless you are a person who shops only in supermarkets and hypermarkets you will be forced to use cash

2. Cannot be used for all daily needs

You cannot pay your milkman, servant, paper wala (newspaper guy), etc by card.

3. Loss & Misuse

Once a card is lost you have to immediately report it and get the card blocked to avoid misuse. Sometimes when you are not aware that you lost the card….the chances of misuse is higher.

Mr. Dev, who was on a vacation returned home after 10 days. He was not aware of his card (which he lost during the trip). One fine day when he checked his bank account he found that Rs.75,000 worth of purchases have been made on his credit card. Too late. But this case is a little old.
Today lot of checks and balances have been put in place. For instance for debit card the customer has to key in the PIN for offline purchases, and additional passwords/authentication for online transactions. Even then taking precautions is absolutely necessary.

4. Low Value Transactions

As discussed above already there are cases where small and medium sized retailers don’t accept cards for low value transactions (say less than Rs.200 or other criteria). You may have noticed this even in case of outlets like petrol bunks or restaurants.

5. Service Charges

In some cases the outlets charge additional service charges for cards. So this can be another burden on your pocket.

6. Damage to Card

Sometimes the card’s magnetic strip gets damaged or scratches or cuts can render the card unusable. So keeping it safe and secure is very important.

7. Carrying or Keeping the Card

Keeping the card and cash in the wallet together is like “inviting trouble”. This is the way everyone (including me) used to carry cash and cards. But this means once you lose your wallet you lose everything.

So here the card doesn’t come to your rescue after losing cash. The best practice is to keep cash and cards separately so that if you lose one you have the other to bank upon.

By the way, nowadays I don’t carry cards in my wallet. Its mostly in the bag or sometimes in a different pocket. You can try this or other methods but ensure that you don’t keep everything in one place and lose it all.

Now that we have a clear idea of some of the drawbacks of credit and debit cards lets also look at some key points on how to strike a balance between use of cash, cards and control your spending habits.

8. Spending Habits & Other Tips

Whether you use cash or cards, having a control on your spending is very important. A few pointers would be worth noting.

9. Impulsive Purchases

Don’t yield to impulsive purchases. Try to see what real benefit or value are you getting from the purchase. If you can’t live without it you can postpone or keep the spending on hold.

10. Peer Pressure

Its okay to spend some money on entertainment, outing, fine dining, etc. once in a while (say once or twice a month).

But if you do it every week on instance of your friend, colleague, etc you will have not savings every month end. Your future financial planning is out of question if you live from pay cheque to pay cheque.

So its time to become smart and avoid unnecessary wasteful expenditure. Sometimes you may have to attend a few parties, dinner/lunch activities, etc but prioritize and attend only the ones which are important and add value to you. For others you can say sorry and avoid or try to finish it over a simple coffee.

11. Overuse of Cards

I find that people who are finding cards as a convenient medium try to use it everywhere – left, right and center. Further, they have 3-4 cards which are used one after the other at different places. I would advice them to have fewer transactions so that it is easier to keep a check on the transactions every month and easier to pay the bill as well.

12. Special Offers, Discounts

Some people have this fancy and think that they are smart when they get special discounts on cards at retail outlets.

Ha ha ha ha…… What a joke! Do you think the card company and the retail chains are so kind enough to serve you at a discount. They want you to loosen your purse and spend more so that they can laugh all the way to their bank.

13. Debt Trap

Overuse of credit cards and rolling over your balance is the shortest route to bankruptcy. Remember that you have to pay your credit card in full. If you know what this means in letter and spirit you will be careful while spending on your credit card. The interest rate on credit card roll over is as high as 3-4% every month which translates to 36%-48% every year.

14. Cash Management (Running to ATM often)

Most people particularly those who started their careers in the last 3-4 years have been more used to cards than cash. They don’t carry much cash and don’t keep cash at home too.

This is absolutely disastrous. When someone at home has a medical emergency or has to buy groceries or do some major repairs cash in hand is absolutely necessary. I’ve seen people who often run to ATM when they want to purchase some groceries.

Surprisingly some people don’t even keep Rs.1000 at home when they actually earn more than Rs.50,000 per month. This is just over dependence on cards, which is foolish, because you still need cash for most of your expenses.

Read more at How to use Credit Card Effectively

Back up plan in case of Loss or Damage to Card
In case of loss or damage to card (making it unusable) you have to apply for issue of a new card. The new card can take a week or even more to reach you. Till then you need to manage with cash or rely on other debit cards. So two things to do to have a sound back up plan

One is to have sufficient cash at home to handle 1-2 months expenses
Two is to have two or more debit cards (separate bank accounts) so that you are not dependent on one source alone

In recent years the use of “Plastic Money” has gained a lot of popularity. Yes, it is Plastic Money in the form of debit or credit card that you carry in your wallet which gives you an easy access to your money. A credit card is a plastic card - same as a debit card with a magnetic strip issued by a bank or equivalent authority or a financial company with an option by which you can borrow funds at the point of sale.

An interest is charged by the credit card when you borrow funds through it and it is a means of short-term financing. The interest on your credit card accrues after one month from the date the purchase is made. The limits of how much amount you can borrow are predetermined at the time of issuance of the card as per your paying credibility. The credit limit also gets revised depending upon your expenditure trends.

It is generally believed that one tends to spend more if they have a credit card. This prompts the question, whether you really need a credit card for your shopping needs or is it just another thing that you need to go flashing around. It goes without saying that credit cards provide you easy credit just when you need it and have none but only if used diligently and if not it may disturb your apple cart.

Having a look at the advantages and disadvantages of credit cards will certainly help you deciding whether to have a credit card at all?

Advantages of a Credit Card
Credit cards bring in easy cash at your disposal even when your wallet runs out of cash. It comes handy specially when you are into a lot of travelling and carrying cash is a big hassle. They come handy especially while you travel overseas.
Credit cards provide you with security and protection in comparison to cash. There is a lot of risk in carrying a large amount of cash in your wallet. As for credit cards, they will give you money as and when required and if you lose it or if it is stolen you can always save yourself from further loss by blocking your card immediately.
As credit cards provide you with the facility to buy goods and services online they aid in increasing your purchasing power.
Credit cards from few financial institutions are loaded with facilities like cash back which serve as an incentive for you and few provide reward points that can be availed in form of coupons or gifts.
In situations like job loss or health emergencies credit cards can play a vital role by providing you with that extra money that you are desperately in need of.
Credit cards bring along easy payment options like monthly installments which help you to write off your debit easily without asking you to shell out a lump sum amount from your pocket that may interfere with your cash in hand needs.
You can also withhold payments with credit cards.
Credit cards also give you a facility to withdraw cash from the ATMs. It should be noted that in such case there is no free credit period and the interest starts accumulating from the first day itself. Interest rates may vary from 25 percent to 45 percent annually. A cash withdrawal fee of 2 percent to 3.5 percent is also charged on the amount that is withdrawn.
Disadvantages of a Credit Card
If you are the one who thinks you should have a credit card because all your friends have one then think again as this may lead you to trouble. Credit cards have to be owned only by those who can use it with care keeping in mind the billing cycle, interest rates etc.
Owing a credit card may lead your way to a lot of impulse buying as at the back of your mind you are aware of the fact that you have credit at your disposal even though you have no cash in your account.
You cannot ignore the fact that frauds have been done and can be done with credit cards.
If you think you need a credit card because you are in need of building your credit limit then that’s not true at all. In order to build your credit limit it is necessary for you to pay your bills on time and it can be any bill not necessarily your credit card bill. Credit card should not be interpreted as a tool that will enable you to build your credit history.
You really don’t need a credit card if you think you need it only to shop online. You can jolly well do it by using your debit card. Debit card can do everything that a credit card can with the only difference that a debit card cannot provide you with credit when you do not have it. So if you plan to own a credit card only for online shopping, then you may drop the idea.
If you are not able to pay your credit card installments on time then you are charged with late fees and interest that adds on to your debt load.
There are times when you may get so deeply caught in rolling over the balance for several months that is becomes difficult to break the vicious cycle. It is like getting caught in a credit trap.
If you own a good number of credit cards, the lenders may not hold a good opinion about you.
If you go by the researches that have been made, credit cards have paved way to lot number of consumer bankruptcies.
Credit card has undoubtedly made our lives easy but it is important that you use credit cards in the right way so that you can make the most of it without getting caught in the credit trap. All you have to do is to keep a track of your purchases, remember you payment cycles, try to settle full credit card payments at the end of every month, avoid spending in excess and carry your cards cautiously.

To get information about aims and objective of plastic money refer the links below




http://studentbank.in/report-plastic-money-ppt

http://studentbank.in/report-presentatio...-money-ppt

http://studentbank.in/report-plastic-mon...ges?page=2

http://studentbank.in/report-aims-and-ob...ney--81382

http://studentbank.in/report-aims-and-ob...stic-money

(07-11-2015, 02:31 PM)seminar report asees Wrote: plastic money marathi information advantages and disadvantages

Technology has changed the way we deal with money giving us more convenience and easy access to funds from anywhere. It all started with a simple credit card that allowed you to make purchases today and pay later.Further, technological advancements lead to a new trend where most banks gave you one ATM card or debit card which can be used for withdrawing money as well as for making purchases or payments – offline as well as online.

However, plastic money has its share of issues that one must be careful about. Plastic money definitely provides an alternative in some cases and compliments cash as a medium.

Convenience of Plastic Money
Peter, a young MBA graduate joins a large software firm as a Business Development Executive. His job involves frequent travelling and meeting with leads and clients to develop business for the organization. This requires him to spend a lot on travel, food, stay, etc and keep track of his expenses.
Since he may require a lot of cash for inter-city travel which can span a few days or weeks he preferred to use his debit card or credit cards.

For instance he could use his card to pay for hotel stays where cards were commonly accepted. Similarly for travel he could book tickets online, while for food he had to rely on cash.

However, with his debit card he could withdraw cash whenever required which made his life easier. Even if he forgets to carry cash he can use his debit card to withdraw funds whether required.

Advantages of Plastic Money
There are several advantages of plastic money as seen in the above illustration. The advantages include

Eliminates the need for carrying huge cash: This eliminates the need for carrying huge load of cash which is risky and inconvenient too.
Risk of Loss or Theft minimized: In case of cash there is a high risk of losing cash and a chance of cash getting stolen. However, in case of debit/credit card you can report the matter to the bank and block the card to avoid misuse.
Anytime/Anywhere Access Using cards you have the unique advantage and convenience of using it anywhere in the country or even abroad.
Credit Facility: In case of credit card you have the option of buying on credit or paying later. Although the charges are high, it helps you in case of emergencies and contingencies.
Online Payments: You can use cards for online payments, fund transfers and various other transactions.
These are the key benefits which I can easily remember, but there could be various other good features too that are specific to certain cards.

Disadvantages of Plastic Money
So far I’ve been sounding like a nice, pleasant Bank Executive who is convincing you to open an account. Please note a few points before we look at the disadvantages of plastic money

Cards/plastic money is not a complete replacement for cash
Use of cards can also be risky in some cases
Note: I’m not saying that cards are not useful because of these drawbacks. The disadvantages are just to make you aware of any risks, threats, etc so that you can use it carefully.

Some of the drawbacks or risk related to cards are
1. Non-Acceptance at Small Retail Outlets

Unless you are a person who shops only in supermarkets and hypermarkets you will be forced to use cash

2. Cannot be used for all daily needs

You cannot pay your milkman, servant, paper wala (newspaper guy), etc by card.

3. Loss & Misuse

Once a card is lost you have to immediately report it and get the card blocked to avoid misuse. Sometimes when you are not aware that you lost the card….the chances of misuse is higher.

Mr. Dev, who was on a vacation returned home after 10 days. He was not aware of his card (which he lost during the trip). One fine day when he checked his bank account he found that Rs.75,000 worth of purchases have been made on his credit card. Too late. But this case is a little old.
Today lot of checks and balances have been put in place. For instance for debit card the customer has to key in the PIN for offline purchases, and additional passwords/authentication for online transactions. Even then taking precautions is absolutely necessary.

4. Low Value Transactions

As discussed above already there are cases where small and medium sized retailers don’t accept cards for low value transactions (say less than Rs.200 or other criteria). You may have noticed this even in case of outlets like petrol bunks or restaurants.

5. Service Charges

In some cases the outlets charge additional service charges for cards. So this can be another burden on your pocket.

6. Damage to Card

Sometimes the card’s magnetic strip gets damaged or scratches or cuts can render the card unusable. So keeping it safe and secure is very important.

7. Carrying or Keeping the Card

Keeping the card and cash in the wallet together is like “inviting trouble”. This is the way everyone (including me) used to carry cash and cards. But this means once you lose your wallet you lose everything.

So here the card doesn’t come to your rescue after losing cash. The best practice is to keep cash and cards separately so that if you lose one you have the other to bank upon.

By the way, nowadays I don’t carry cards in my wallet. Its mostly in the bag or sometimes in a different pocket. You can try this or other methods but ensure that you don’t keep everything in one place and lose it all.

Now that we have a clear idea of some of the drawbacks of credit and debit cards lets also look at some key points on how to strike a balance between use of cash, cards and control your spending habits.

8. Spending Habits & Other Tips

Whether you use cash or cards, having a control on your spending is very important. A few pointers would be worth noting.

9. Impulsive Purchases

Don’t yield to impulsive purchases. Try to see what real benefit or value are you getting from the purchase. If you can’t live without it you can postpone or keep the spending on hold.

10. Peer Pressure

Its okay to spend some money on entertainment, outing, fine dining, etc. once in a while (say once or twice a month).

But if you do it every week on instance of your friend, colleague, etc you will have not savings every month end. Your future financial planning is out of question if you live from pay cheque to pay cheque.

So its time to become smart and avoid unnecessary wasteful expenditure. Sometimes you may have to attend a few parties, dinner/lunch activities, etc but prioritize and attend only the ones which are important and add value to you. For others you can say sorry and avoid or try to finish it over a simple coffee.

11. Overuse of Cards

I find that people who are finding cards as a convenient medium try to use it everywhere – left, right and center. Further, they have 3-4 cards which are used one after the other at different places. I would advice them to have fewer transactions so that it is easier to keep a check on the transactions every month and easier to pay the bill as well.

12. Special Offers, Discounts

Some people have this fancy and think that they are smart when they get special discounts on cards at retail outlets.

Ha ha ha ha…… What a joke! Do you think the card company and the retail chains are so kind enough to serve you at a discount. They want you to loosen your purse and spend more so that they can laugh all the way to their bank.

13. Debt Trap

Overuse of credit cards and rolling over your balance is the shortest route to bankruptcy. Remember that you have to pay your credit card in full. If you know what this means in letter and spirit you will be careful while spending on your credit card. The interest rate on credit card roll over is as high as 3-4% every month which translates to 36%-48% every year.

14. Cash Management (Running to ATM often)

Most people particularly those who started their careers in the last 3-4 years have been more used to cards than cash. They don’t carry much cash and don’t keep cash at home too.

This is absolutely disastrous. When someone at home has a medical emergency or has to buy groceries or do some major repairs cash in hand is absolutely necessary. I’ve seen people who often run to ATM when they want to purchase some groceries.

Surprisingly some people don’t even keep Rs.1000 at home when they actually earn more than Rs.50,000 per month. This is just over dependence on cards, which is foolish, because you still need cash for most of your expenses.

Read more at How to use Credit Card Effectively

Back up plan in case of Loss or Damage to Card
In case of loss or damage to card (making it unusable) you have to apply for issue of a new card. The new card can take a week or even more to reach you. Till then you need to manage with cash or rely on other debit cards. So two things to do to have a sound back up plan

One is to have sufficient cash at home to handle 1-2 months expenses
Two is to have two or more debit cards (separate bank accounts) so that you are not dependent on one source alone

In recent years the use of “Plastic Money” has gained a lot of popularity. Yes, it is Plastic Money in the form of debit or credit card that you carry in your wallet which gives you an easy access to your money. A credit card is a plastic card - same as a debit card with a magnetic strip issued by a bank or equivalent authority or a financial company with an option by which you can borrow funds at the point of sale.

An interest is charged by the credit card when you borrow funds through it and it is a means of short-term financing. The interest on your credit card accrues after one month from the date the purchase is made. The limits of how much amount you can borrow are predetermined at the time of issuance of the card as per your paying credibility. The credit limit also gets revised depending upon your expenditure trends.

It is generally believed that one tends to spend more if they have a credit card. This prompts the question, whether you really need a credit card for your shopping needs or is it just another thing that you need to go flashing around. It goes without saying that credit cards provide you easy credit just when you need it and have none but only if used diligently and if not it may disturb your apple cart.

Having a look at the advantages and disadvantages of credit cards will certainly help you deciding whether to have a credit card at all?

Advantages of a Credit Card
Credit cards bring in easy cash at your disposal even when your wallet runs out of cash. It comes handy specially when you are into a lot of travelling and carrying cash is a big hassle. They come handy especially while you travel overseas.
Credit cards provide you with security and protection in comparison to cash. There is a lot of risk in carrying a large amount of cash in your wallet. As for credit cards, they will give you money as and when required and if you lose it or if it is stolen you can always save yourself from further loss by blocking your card immediately.
As credit cards provide you with the facility to buy goods and services online they aid in increasing your purchasing power.
Credit cards from few financial institutions are loaded with facilities like cash back which serve as an incentive for you and few provide reward points that can be availed in form of coupons or gifts.
In situations like job loss or health emergencies credit cards can play a vital role by providing you with that extra money that you are desperately in need of.
Credit cards bring along easy payment options like monthly installments which help you to write off your debit easily without asking you to shell out a lump sum amount from your pocket that may interfere with your cash in hand needs.
You can also withhold payments with credit cards.
Credit cards also give you a facility to withdraw cash from the ATMs. It should be noted that in such case there is no free credit period and the interest starts accumulating from the first day itself. Interest rates may vary from 25 percent to 45 percent annually. A cash withdrawal fee of 2 percent to 3.5 percent is also charged on the amount that is withdrawn.
Disadvantages of a Credit Card
If you are the one who thinks you should have a credit card because all your friends have one then think again as this may lead you to trouble. Credit cards have to be owned only by those who can use it with care keeping in mind the billing cycle, interest rates etc.
Owing a credit card may lead your way to a lot of impulse buying as at the back of your mind you are aware of the fact that you have credit at your disposal even though you have no cash in your account.
You cannot ignore the fact that frauds have been done and can be done with credit cards.
If you think you need a credit card because you are in need of building your credit limit then that’s not true at all. In order to build your credit limit it is necessary for you to pay your bills on time and it can be any bill not necessarily your credit card bill. Credit card should not be interpreted as a tool that will enable you to build your credit history.
You really don’t need a credit card if you think you need it only to shop online. You can jolly well do it by using your debit card. Debit card can do everything that a credit card can with the only difference that a debit card cannot provide you with credit when you do not have it. So if you plan to own a credit card only for online shopping, then you may drop the idea.
If you are not able to pay your credit card installments on time then you are charged with late fees and interest that adds on to your debt load.
There are times when you may get so deeply caught in rolling over the balance for several months that is becomes difficult to break the vicious cycle. It is like getting caught in a credit trap.
If you own a good number of credit cards, the lenders may not hold a good opinion about you.
If you go by the researches that have been made, credit cards have paved way to lot number of consumer bankruptcies.
Credit card has undoubtedly made our lives easy but it is important that you use credit cards in the right way so that you can make the most of it without getting caught in the credit trap. All you have to do is to keep a track of your purchases, remember you payment cycles, try to settle full credit card payments at the end of every month, avoid spending in excess and carry your cards cautiously.

(03-11-2014, 09:17 PM)Guest Wrote: want in detail the advantages & disadvantages of plastic money in Marathi

please correct any typiing error in this marathi part

तंत्रज्ञान आम्ही पैसे निधी आम्हाला अधिक सोयीसाठी आणि सहज प्रवेश देत कुठूनही सामोरे मार्ग बदलले आहे. हे सर्व आपल्याला अनुमती खरेदी आज करा आणि later.Further अदा करण्यासाठी एकच क्रेडिट कार्ड सुरुवात केली, तांत्रिक प्रगती नवीन कल होऊ सर्वाधिक कोठे बँका तुम्हाला दिला एक एटीएम कार्ड किंवा डेबिट कार्ड तसेच कोणत्या पैसे काढण्यासाठी वापरले जाऊ शकते ऑफलाइन तसेच ऑनलाइन - खरेदी किंवा देयके बनवण्यासाठी.

तथापि, प्लास्टिक पैसा हे एक काळजी घ्या असणे आवश्यक आहे मुद्दे त्याच्या वाटा आहे. प्लॅस्टिक पैसा निश्चितपणे काही प्रकरणांमध्ये पर्यायी देते आणि एक मध्यम म्हणून रोख compliments.

प्लॅस्टिक मनी सोयीसाठी
पेत्र, तरुण एमबीए पदवीधर एक व्यवसाय विकास कार्यकारी फार मोठे सॉफ्टवेअर कंपनी जोडणारा. त्याचे काम संस्थेसाठी व्यवसाय विकसित वारंवार प्रवास आणि लीड्स आणि क्लायंट बैठक सामील आहे. हे त्याला प्रवास, अन्न वर भरपूर खर्च, राहण्यासाठी, इ आणि त्याच्या खर्च मागोवा ठेवू आवश्यक आहे.
मे असल्याने मी इंटरसिटी प्रवास आठवडे किंवा काही दिवस मी त्याच्या डेबिट कार्ड किंवा क्रेडिट कार्ड वापर प्राधान्य स्पॅन कोणत्या रोख भरपूर आवश्यक आहे.

उदाहरणार्थ मी सामान्यपणे कार्ड स्वीकारले होते जेथे त्याचे हॉटेल राहतो भरपाई करण्यासाठी कार्ड वापरू शकतो. तसेच प्रवास मी तिकिटे ऑनलाईन, अन्न मी रोख वर अवलंबून होते, तर बुक नाही.

तरीही त्याच्या डेबिट कार्ड मी आवश्यक तेव्हा त्याचे जीवन सोपे केले कोणत्या रोख पैसे काढता शक्य झाले नाही. मी रोख विसरून आणणे आहे जरी मी त्याच्या का आवश्यक निधी काढू करण्यासाठी डेबिट कार्ड वापर करू शकता.

प्लॅस्टिक मनी फायदे
वरील उदाहरण दिसत प्लास्टिक पैसा अनेक फायदे आहेत. फायदे समावेश

प्रचंड रोख घेऊन गरज काढून टाकते: हे कोणत्या फारच धोकादायक आहे आणि गैरसोयीचे आहे रोख प्रचंड भार घेऊन गरज काढून टाकते.
कमी होणे किंवा चोरी धोका कमी: रोख बाबतीत रोख आणि चोरी रोख मिळत एक संधी गमावली धोका आहे. तथापि, डेबिट / क्रेडिट कार्ड बाबतीत तुम्ही बँकेत बाब अहवाल आणि गैरवापर टाळण्यासाठी कार्ड ब्लॉक करू शकता.
कधीही कार्ड वापरणे / कोठेही प्रवेश आपण अद्वितीय फायदा आणि देशात किंवा परदेशात कुठेही वापरून सोयीसाठी आहे.
क्रेडिट सुविधा: क्रेडिट कार्ड बाबतीत आपण क्रेडिट खरेदी किंवा नंतर देवून पर्याय आहे. शुल्क उच्च आहेत, तरी तो आपत्कालीन आणि आकस्मिक बाबतीत आपण मदत करते.
ऑनलाईन पेमेंट: आपण ऑनलाइन पेमेंट, फंड बदल्या आणि इतर विविध व्यवहार कार्ड वापरू शकता.
या मला लक्षात शकतो सहजपणे की फायदे आहेत, पण काही कार्ड संबंधित इतर विविध चांगला खूप वैशिष्ट्ये असू शकते.

प्लॅस्टिक मनी तोटे
आतापर्यंत मी एक छान, आनंददायी बँकेचे कोण आपण एक खाते उघडण्यासाठी केलं आहे जसे दणदणीत आली .मी. काही गुण लक्षात घ्या की आम्ही प्लास्टिक पैसा तोटे पाहू करण्यापूर्वी

कार्ड / प्लास्टिक पैसे रोख एक पूर्ण बदलण्याची शक्यता नाही
कार्डांचा वापर काही साधे गेल्या प्रकरणांमध्ये धोकादायक असू शकते
नोंद: मी कार्ड कारण या धोरणातील उपयुक्त नाहीत म्हणत नाही आहे. तोटे आपण 'काळजीपूर्वक वापरू शकता जेणेकरून आपण कोणत्याही धोके, धमक्या जाणीव इ करण्यासाठी फक्त आहेत.

कार्ड संबंधित धोरणातील किंवा धोका काही
1. स्वीकार येथे नॉन-लहान रिटेल आऊटलेट्स

आपल्याला एक व्यक्ती केवळ सुपर मार्केट्स आणि hypermarkets दुकाने आपण रोख वापर करणे भाग जाईल कोण आहेत नसल्यास

2. सर्व दैनंदिन गरजा वापरले जाऊ शकत नाही

आपण कार्ड करून आपल्या गवळी, सेवक वाला कागद (वृत्तपत्र माणूस) अदा करू शकत नाही, इ.

3. कमी होणे आणि गैरवापर

एक कार्ड गहाळ झाल्यास आपण तक्रार करा आणि लगेच गैरवापर टाळण्यासाठी अवरोधित कार्ड आहे. आपण 'कार्ड गमावले जाणीव नाही, तेव्हा कधी कधी ... गैरवापर तेव्शा शक्यता जास्त आहे.

श्री देव, कोण एक सुट्टीतील होते 10 दिवसांनी घरी परतले. मी त्याच्या कार्ड (गमावले मी ट्रिप दरम्यान कोणत्या) कळले नाही. एक दंड दिवशी मी तपासले त्याच्या बँक खात्यात मी केले खरेदी Rs.75,000 वाचतो त्याचे क्रेडिट कार्ड गेले आढळले आहेत तेव्हा. खूप उशीर झालेला. पण या प्रकरणात एक थोडे जुने आहे.
ठिकाणी ठेवले तपासणी व शिल्लक आज भरपूर आहेत. डेबिट कार्ड उदाहरण ग्राहक ऑफलाइन खरेदी पिन नमूद आहे, आणि ऑनलाइन व्यवहार अतिरिक्त संकेतशब्द / प्रमाणीकरण. तरीही एक घेऊन खबरदारी पूर्णपणे आवश्यक आहे.

4. कमी मूल्य व्यवहार

प्रकरणे आधीच लहान आणि मध्यम आकाराच्या किरकोळ कमी किंमतीच्या व्यवहार कार्ड स्वीकारत नाही कुठे वरील तेथे चर्चा आहेत म्हणून (रु .200 किंवा इतर निकष पेक्षा कमी म्हणू). आपण esta अगदी रेस्टॉरन्ट्स पेट्रोल bunks सारखे आऊटलेट्स बाबतीत लक्षात असावे.

5. सेवा शुल्क

काही प्रकरणांमध्ये आउटलेट अतिरिक्त सेवा शुल्क कार्ड शुल्क आकारू. त्यामुळे या आपल्या खिशात दुसर्या ओझे होऊ शकते.

कार्ड 6 नुकसान

कधी कधी कार्ड चुंबकीय पट्टी नासाडी किंवा scratches किंवा चेंडू कार्ड वापरता न येणारी रेंडर करू शकतात. मग ते सुरक्षित आणि संरक्षित ठेवणे फार महत्वाचे आहे.

7 पार पाडणे किंवा कार्ड ठेवणे

एकत्र पाकीट कार्ड आणि रोख ठेवणे आहे 'समस्या आमंत्रित करत आहोत. " या प्रकारे प्रत्येकजण (मला यासह) रोख आणि कार्ड वाहून वापरल्या जातात. पण याचा अर्थ असा अकरा आपण आपल्या पाकीट गमावू आपण सर्वकाही गमवाल.

त्यामुळे येथे कार्ड रोख गमावल्यानंतर आपला बचाव येत नाही

Technology has changed the way we treat money, giving us more convenience and easy access to funds from anywhere. It all started with a simple credit card that allowed you to shop today and pay later. In addition, technological advances lead to a new trend where most banks gave an ATM card or debit card that can be used to withdraw money as well as for making purchases or payments - offline as well as online.
However, plastic money has its share of problems that one should be careful about. Plastic money definitely provides an alternative in some cases and complements cash as a medium.
Since it may require a lot of cash for intercity travel, it may span a few days or weeks you prefer to use your debit card or credit cards.
For example, you could use your card to pay for stays at hotels where cards were commonly accepted. Similarly for travel I could book tickets online, while for food I had to rely on cash.
However, with your debit card you could withdraw cash when needed which made your life easier. Even if you forget to bring cash you can use your debit card to withdraw funds if necessary.

Advantages of plastic money

There are several advantages of plastic money as seen in the illustration above. Advantages include
1. Eliminates the need to carry huge cash: This eliminates the need to carry a huge load of cash that is risky and inconvenient as well.
2. Minimized risk of loss or theft: In case of cash there is a high risk of losing cash and a stolen cash opportunity. However, in case of debit / credit card you can report the matter to the bank and lock the card to avoid misuse.
3. Access Anytime / Anywhere The use of cards has the unique advantage and convenience of using it anywhere in the country or even abroad.
4. Credit facility: In case of credit card you have the option to buy on credit or pay later. Although the charges are high, it helps you in case of emergencies and contingencies.
5. Online Payments: You can use cards for online payments, fund transfers and various other transactions.
These are the key benefits I can easily remember, but there could be several other good features too that are specific to certain cards.

Disadvantages of plastic money

So far I've been sounding like a nice, nice bank executive who is convincing you to open an account. Keep in mind a few points before you see the disadvantages of plastic money
• Plastic cards / money are not a complete cash replacement
• The use of cards can also be risky in some cases
Note: I am not saying that the cards are not useful due to these drawbacks. The disadvantages are just to make you aware of the risks, threats, etc., so you can use it with care.

(03-11-2014, 09:17 PM)Guest Wrote: want in detail the advantages & disadvantages of plastic money in Marathi