Festive season mein shopping ka craze toh hota hai, par zyadatar log credit limit cross karke apna CIBIL score kharab kar lete hain. EMI aur BNPL schemes ka chhota sa chuk aapke financial future par bhari pad sakta hai.
Credit utilization ka khel samajhiye
Festive season mein hum bhale hi discount ke chakkar mein shopping kar lete hain, par asli game Credit Utilization Ratio ka hota hai. Ye ratio ka matlab hai aapne apni total limit ka kitna hissa use kiya hai. Experts ka manna hai ki agar aap ise 30% ke neeche rakhenge, toh score strong rahega. Lekin shopping ke dauran agar limit exceed hoti hai, toh credit bureaus ise financial stress ki tarah dekhte hain.
BNPL aur EMI ki reality
Bahut se log 'Buy Now Pay Later' (BNPL) ko sirf ek payment option samajhte hain, par bhai ye chhote short-term loans hote hain. RBI ke rules ke hisaab se, inka record bhi aapki history mein judta hai. Problem ye hai ki credit bureaus data update hone mein time lete hain. Iska matlab ye ki agar aapne balance pay bhi kar diya, toh bhi kuch hafte tak wo high debt aapki report mein dikh sakta hai, jisse score temporary gir jaata hai.
Apne rights aur protection
Sabse pehle toh ye samajh lo ki BNPL ko credit card debt jaisa hi serious lena chahiye. Agar koi payment miss hua, toh record par bad mark lag jayega. RBI ke rules ke mutabik, aap saal mein ek baar TransUnion CIBIL, Experian, Equifax, ya CRIF High Mark se free report nikal sakte ho.
Agar report mein koi galti dikhe, toh turant dispute file karo. Agar lender 30 din ke andar galti nahi sudharta, toh unhe ₹100 per day ka penalty dena padta hai. Isliye festive shopping ke baad ek baar apni report zaroor check kar lena!