Jaisa ki hum sabhi ko pata hai ki Credit Card paana Debit Card jitna aasan nahi hota hai. Credit Card ke liye kai saare requirements (zarooraten) hoti hain jinko humen poori karni hoti hain.
Credit Card lene ke liye kuch eligibility criteria hote hain aur har koi Credit Card lene ke liye eligible (yogya) nahi hota hai. 
Credit Card lene ke liye aapke paas doosre documents ke sath-sath Income Proof hona chahiye jaise Salary Slip, Bank Statement, ITR (Income Tax Return) Form 16 etc.  Iske alawa CIBIL Score ya Credit Score bhi accha hona chahiye tabhi aap Credit Card ke liye eligible ho sakte hain.
Baharhaal har bank ke apne alag-alag rule aur niyam hain aur sabne apne-apne anusaar Credit Card ke liye eligibility criteria bana rakhe hain.

 Sabhi criteria poore kiye jaa sakte hain, siwaye Income Proof ke, kyunki aisa zaroori nahi hai ki sabhi ke paas koi job ho ya koi business ya phir income ka koi doosra source ho. Aur bina job, business ya kisi doosre income source ke hum Income Proof nahi paa sakte hain. 
Aur isi tarah se ITR ka bhi masla hai ki har koi Income to karta nahi hai jo Income Tax Return (ITR) bharega. Aur agar CIBIL Score ya Credit Score ki baat ki jaaye to agar kisi ne loan liya hoga aur usko sahi samay par chukaya hoga tab CIBIL Score aur Credit Score accha banega. Lekin aisa zaroori to nahi hai ki har kisi ne pehle loan le rakha ho aur usko samay par chuka bhi diya ho. Aur agar kisi ne kabhi kisi tarah ka loan hi nahi le rakha ho to uska CIBIL Score ya Credit Score kabhi generate hi nahi hoga. 
Aur rahi Bank Statement ki baat to Bank Statement isliye zaroori hota hai kyunki isse Credit Card issue karne wala bank ya company Credit Card applicant (Aavedak) ke financial transactions ke baare mein jaankari paa sake ki aavedak ke bank khaate mein kitne paise aate hain aur kitne paise jaate hain.
Ab yeh bhi zaroori nahi hai ki har koi bade-bade financial transactions kare ki jise woh Credit Card issue karne wale bank ya company ko dikha sake.
To kul milaakar Credit Card usi ko mil sakta hai jo koi job kar raha ho ya business kar raha ho ITR bhar raha ho aur uska CIBIL Score bhi accha ho.
Jaisa ki humne pehle bhi bataya hai ki har bank ke apne-apne niyam hote hain aur sabhi bankon ne Credit Card ke liye alag-alag eligibility criteria bana rakhe hain. Koi bank aapko sirf Salary Slip aur doosre documents ke aadhar par hi Credit Card issue kar dega to koi ITR aur CIBIL Score bhi check karega. Aur kuch bank yeh sabhi cheezen maangta hai. Agar aap koi job nahi karte hain ya phir karte bhi hain to usmein koi fix income nahi hai, ya aapka koi chota business hai jaise shop etc. ya aap naukri karte bhi hain to salary fix nahi hai ya phir salary bahut kam hai to aise mein aapko Credit Card lene mein bahut dikkat aayegi. Ya agar aap ek Student hain aur aapko Credit Card ki zaroorat hai tab bhi aapko dikkat aane wali hai, kyunki aapke paas koi income source nahi hota hai jiske base par aap Credit Card le saken.

 Yeh bhi padhen:
Bank ne itne saare criteria isliye banaye hain taaki woh nishchit kar sake ki aavedak Credit Card se kharch kiye gaye paise ko wapis karne ke saksham hai. Isliye bank pehle confirm kar leta hai ki aavedak har maheene mein salary paata hai ya nahi? ya aavedak ko har maheene uske account mein paise mil jaate hain ya nahi?
Bank isliye yeh confirm karta hai kyunki Credit Card bhi ek tarah ka loan hi hai hum usse khareedar karte hain, alag-alag tarah ke bhugtaan karte hain to yeh jitne bhi kharche hum Credit Card se karte hain, yeh sabhi paise pehle bank deta hai, uske baad Credit Card ka bill generate hota hai aur jitne paise hum Credit Card se kharch karte hain woh sabhi humen bank ko lautaane hote hain, aur uske liye humen Credit Card ka bill bharna hota hai.
Isliye bank Income Proof maangta hai taaki pushti (Confirm) ho jaaye ki aavedak bank ko Credit Card se kharch kiye gaye paison ko lauta dega.
Credit Card lene mein un logon ko bhi pareshaani aati hai jinki salary bahut kam hoti hai, jaise 8 hazaar ya 10 hazaar, itni salary mein Credit Card milna bahut mushkil ho jaata hai, aur jaldi bank kam salary walon ko Credit Card issue nahi karta hai.
To ab sawaal yeh paida hota hai, ki kya agar kisi ke paas naukri nahi hai, ya business nahi hai ya phir koi student hai ya salary hai bhi to kam hai to kya aise logon ko Credit Card mil sakta hai?
To iska jawab hoga 'haan' sabhi ko Credit Card mil sakta hai, bas humen bank ko yaqeen dilana hoga ki Credit Card se kharch kiye gaye paison ko hum lauta denge.
Jaise 'Secured Loand' mein hum loan lene ke liye bank ko loan lautane ki security dete hain, usi tarah hum bank ko Credit Card ke liye security dekar Credit Card le sakte hain.
Is tarah se jab hum bank ko security dekar Credit Card lete hain to usko 'Secured Credit Card' kaha jaata hai. 

What is a Secured Credit Card?

Secured Credit Card ek tarah se Secured Loan hai, jaise Secured Loan ke liye humen bank ko security ke taur par property papers, gold etc. dena padta hai, waise hi Secured Credit Card ke liye humen Bank mein FD (Fixed Deposit) account kholna padta hai. Ya phir agar aap jis bank se Secured Credit Card lena chahte hain usmein pehle hi aapka account moujood hai to aapko sirf us bank mein FD (Fixed Deposit) karana hoga aur uske baad aap Credit Card le sakte hain, agar aapka bank FD ke against Credit Card jaari karta hai to.
Secured Credit Card us Credit Card ko kahte hain jiske liye humen pehle bank mein FD (Fixed Deposit) karana padta hai. FD (Fixed Deposit) ke against milne wala Credit Card hi Secured Credit Card kahlata hai.
Kuch aise bank hain jo Fixed Deposit ke against Credit Card issue karte hain, aur iske liye aapko na to CIBIL Score ki zaroorat hai na Income Proof ki bas aapko ek Fixed Deposit Account kholwana hoga aur aapko Credit Card issue kar diya jayega.
Alag-alag bankon ne alag-alag minimum FD (Fixed Deposit) amount tay kiya hua hai, kuch bank minimum Rs. 20,000 ki FD karne par aapko Credit Card de denge to kuch bank minimum 25,000 ki FD karne par Credit Card issue karte hain.
To yeh bank ke upar nirbhar karta hai ki kaun sa bank Credit Card ke liye kitna minimum amount FD ke liye maangta hai.
Aapko bata den ki sabhi bank FD ke against Credit Card nahi jaari karte hain, desh bhar mein kuch hi aise bank honge jo FD ke against Credit Card jaari karte hain.
To agar aap job nahi karte hain ya aapke paas koi business nahi hai, aur CIBIL Score aur Credit Score ke jhanjhat ke bina aap Credit Card lena chahte hain to aap FD Account kholkar Credit Card ke liye apply kar sakte hain. 
Jaisa ki humne pehle hi bataya hai ki bank bas yeh check karta hai ki aavedak Credit Card ke bill ka bhugtaan kar sakta hai ya nahi? kyunki yeh ek tarah ka loan hi hota hai jismein aap paise pehle Credit Card se kharch karte hain aur baad mein bank ko Credit Card ke bill ka bhugtaan karke chukate hain.
To agar aap bank mein FD kara lenge to yeh bank ke paas ek tarah se security ho jayegi aur iske aadhar par bank aapko Credit Card jaari kar dega.
FD karane par aapko FD par milne wala interest bhi milega, aur aap jab chaahen FD tudwa bhi sakte hain, lekin isse aapka Credit Card bhi block ho jayega.
Agar durbhagya se aap Credit Card ke bill ka bhugtaan nahi karte hain ya defaulter bante hain to bank aapke FD Account ko todkar usse paise wasool lega. Isliye kabhi bhi is tarah ki ghalti na karen, aur utna hi kharch karen ki jitna aap chuka saken bank ko. 

What will be the Limit for Secured Credit Card

Secured Credit Card ki limit aapke FD par nirbhar karegi, jitne amount ka FD aap karenge uske 80% ki Credit limit aapko di jayegi. Jaise ki agar aap 25,000 ki FD karate hain to aapko 20,000 ki limit milegi.

Conclusion

FD par milne wala Credit Card ek normal Credit Card ki tarah hi hota hai. Secured Credit Card un logon ke liye bahut accha hai jin logon ne ab tak koi Credit Card nahi istemaal kiya hai. Secured Credit Card, CIBIL Score aur Credit Score banane ke liye bahut faidemand hai, agar abhi tak aapka CIBIL Score ya Credit Score moujood nahi hai to Secured Credit Card lekar CIBIL Sore aur Credit Score bana sakte hain.
Is post mein humne un bankon ke baare mein nahi bataya hai jo FD ke against Credit Card issue karte hain, lekin agle post mein hum aapko batayenge ki kaun-kaun se bank aapko FD ke against Credit Card issue karte hain, sath hi aapko Secured Credit Card ke faide bhi batayenge.