Agar aapne kabhi apne credit card statement pe likha "Minimum Amount Due" pay kiya hai, toh aap akele nahi hain. Lekin kya aapko pata hai ki banks ka sabse bada profit isi ek trick se aata hai?
Minimum Due Kya Hota Hai?
RBI ke rules ke mutabiq, banks aapko ek option dete hain ki agar aap poora bill (Total Due) pay nahi kar sakte, toh aap total bill ka sirf 5% pay karke apni CIBIL score bacha sakte hain. Sunne mein bahut convenient lagta hai, haina?
Lekin bank aapko yeh nahi batate ki bache hue 95% balance par lagbhag 40% se 45% Annual Interest (Finance Charge) lagta hai, aur wo bhi Daily Compounding ke saath!
Real Math: Ek Example Se Samjhein
Maan lijiye aapne ₹50,000 ka ek phone credit card se kharida.
- Total Bill: ₹50,000
- Minimum Due (5%): ₹2,500
- Interest Rate: 3.5% per month (42% Annual)
Agar aap har mahine sirf Minimum Due (₹2,500) pay karte hain, aur koi nayi shopping nahi karte, toh aapko kya lagta hai yeh loan kitne din mein clear hoga?
| Payment Method | Total Interest Paid | Time Taken to Clear |
|---|---|---|
| Paying FULL Amount | ₹0 (Zero) | 1 month |
| Paying Only Minimum Due | ₹44,000+ | 3.5 Years (42 months) |
Grace Period Khatam!
Sabse bada catch: Jaise hi aap pehli baar sirf Minimum Due pay karte hain, aapka Interest-Free Grace Period (45 days) hamesha ke liye cancel ho jata hai. Iska matlab agar aap agle din ₹100 ki coffee bhi kharidenge, toh us par Day 1 se 42% interest lagna shuru ho jayega!
Aapka Debt Kitna Hai?
Hamara free math tool use karein aur check karein ki aapka current debt clear hone mein kitna time lagega.
Minimum Due Trap Analyzer →