When we do not have something, we need it very much and always think that just by getting that thing, maybe our life will change or we will have a lot of money and we think of many more things. But as soon as we get that thing, we forget its importance and do not value it. Yes, I am talking about the credit card. Earlier, very few people used it and it was given to only a few categories of people, but now today it is a normal thing, everyone has a credit card and believe me, it is not a happy thing if you have credit. If you have a card then perhaps you spend more than necessary. Having a credit card means that you think that you have more money but in reality, it is not the case it is just the opposite.

---

---

ImgSrc

If you do not have money to pay the credit card bill, then perhaps this is a very serious problem and perhaps this is the reason why many people are not able to get out of this mess. Yes, you are given a period of approximately 30 to 45 days to pay the bill, but not everyone can pay it on time and this has happened with many people and will probably continue to happen in the future too. This is the trick by which credit card companies earn money. If you are paying your bills on time and depositing your bills on time then the credit card company is not getting any benefit from you and they do not want that. Who does not want to earn? Everyone has entered this business to earn but many people who do everything on time have become a big problem for them and by doing so they do not get any profit at all. This is my belief.

Convert bill to easy EMI:

---

---

imgSrc

It has been almost a year since I have been using a credit card and I pay my bills on time I am proud of it because many people are late in paying their bills and they have to pay for it through a fine. The company always finds some way or the other by which it can earn money. Nowadays a new option is being seen. If you have purchased ₹ 10000 (INR), then before you deposit the bill, you will also get calls from somewhere and many times you will get a message will also come that you can convert your bill into EMI. Yes, if you read it properly then perhaps you will not want to do this but if you convert it into EMI then you will have to pay some unnecessary money. And believe me, if you convert it to Amy then it becomes possible for you to deposit it again. If you also get such messages, please whiten them and try to pay your bill on time, that too in full, and spend only as much as your average time, you don't need to do it just to show off to people. Buy more or more expensive things or whatever.

Minimum due :

---

---

imgSrc

You must be aware of a lot of options. If you are a credit card user, then perhaps at some point in time you must have made a payment through this option and perhaps you might have regretted it later as to why I did so. By the grace of God, this has never happened to me till now, but it is true that many people do this and by doing this they also increase the burden on themselves because by doing this they are not reducing their instalment. Rather, we are increasing it because even after paying the minimum due, your bill will remain the same in the next month and you will have to pay interest on it the interest is much higher than the normal interest and this is also the opportunity for the company to earn from you. In today's selfish world, it is almost impossible to get anything for free, but believe me, if the credit card companies are giving you a free period of 45 days, then there is some hidden benefit in it too. They try to get some benefit out of it but they are not successful in doing so every time.

---

---

Use card to earn:

---

---

ImgSrc

It is not that there are no benefits to using credit cards, there are many benefits as well; many times you get to see great discounts in sales. Perhaps this is the reason why many people have credit cards available from all types of banks. Yes, they have to pay a bill of about Rs 500 (INR) or Rs 5000 (INR) or should I say its fee, but if your expenses are as per your requirement then you can pay the same. You can apply for an account card. Many cards say in the initial days that they are free but they charge around Rs 500 annually. There are many ways by which you can earn from credit cards and online shopping is the most popular among them. You must have ever seen that whenever there is a sale on big websites, there are more offers on credit cards than on debit cards. By doing this, credit card companies give attractive offers to people and force them to make credit cards or we can say that they lure them. If a person uses it well then he can earn a good profit from it and people do and do, why not if they have spent money then they should utilize it fully.

Invest the bill for short periods:

---

---

ImgSrc

Apart from online offers, there are many ways through which you can invest with credit cards and the most popular among them is that whatever money you invest, you can invest it for some time and that method is quite safe and secure. You should otherwise it can become a problem for you. Believe me, if crypto becomes a legal tender in our country then I have a very good plan to earn a lot of money from it. Suppose my monthly bill comes to around one lakh rupees and I have around 45 days to deposit the bill. If I invest that ₹ 100000 in HBD even for 1 month, I will get a lot of profit (as compared to the normal way). And whatever interest I turn on, I will leave it lying here and whatever I have invested here, I can take it back out and deposit my bill. But right now I can do this, but apart from this, there are many other ways through which you can earn money. Yes, keep in mind that invest this money only in a very safe and secure place, sometimes you get lucky but even your partner does not support you all the time. I would suggest that you activate a facility called Auto Sweep in your bank and deposit the credit card amount in his account. What happens to him is that he has a fixed amount of money in your account. The deposit is done automatically and whenever you want to withdraw the money, you can withdraw it and even if you withdraw it in a month, you will still get some interest.

Please share what you think about this. Have you ever had similar experiences while paying credit card bills?

---

---

see you in the next post. Keep learning and keep exploring...

All the Images are Made Via Canva unless otherwise noted.

Translated via Google Translator, The content is original.

---

If you are not playing the Splinterlands and Golem Overlord games then feel free to join my referral 😁

My splinterlands referral
My Golem Overlord referral

Thanks a lot for staying till the end 😃🙏, Let me know what you think.

Never forget one thing you should be grateful for because someone has a dream of what you have. So learn to be grateful. Be Thankful.🙏😀

Thanks & Regards

@bhattg
-----Together we will make this a better place-----