Saturday, November 9, 2013

[Hindi Jokes] Credit Card Ke Side Effects!, Let’s understand this better

Credit Card Ke Side Effects!, Let's understand this better

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How did you make the payment for your shopping bills lately? I think credit card! Right, as they are usually more convenient to use than cash. Well, if used sensibly, credit cards can be an important financial instrument. There are several psychological reasons which prove that the use of credit cards can be hazardous to your financial health and one of the biggest issues being "overspending". Let's understand this better:

Use of credit cards stimulates overspending
We tend to spend more while paying with credit cards than cash. It also arouses a desire which ultimately compels us to go beyond our means. With the power of credit cards and the EMI culture, each one of us can buy helicopters also! Sounds funny, but it's very simple. All you need to pay is Rs.6,667 per month for the next 200 years.

Now one may laugh at this, but if you delve further, you will realise that the use of credit cards has literally removed the difference between 'Buying' and 'Affordability'. It has made us believe that we cannot only buy, but we can afford each and everything that is available on earth. This phenomenon has extended to all the products we buy like mobile, car, TV, camera and even apparel!

Pleasure of buying v/s Pain of paying
Whenever and whatever you buy, there will always be a pain and that is called the pain of 'paying', especially while making payments with cash. Parting with cash causes great pain inspite of the pleasure of owning your desired object. And what is a better way out than using a credit card to avoid this pain? The use of credit cards delays the payment and ultimately the pain of paying.

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