Credit Card leh Car toh kisai..

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Credit Card leh Car toh Kisai...

By David Son

 

 "Vaigam a tengve sam Credit Card leh Car  a deihhuai awm ve.."

 

CREDIT CARD TOH KISAI..

Sum ei neihsa hilou , card zang a sum a bat a zattheihna chikhat ahi.  Limit hiai tan zattheih chih gensa in hon pia ua, huai limit lak ah bangzah hiam ATM apan leng  a sum in lakkhiak theih ahi. Online ah van leitheih ahihman in kizen mahmah hi.

 

PROS :Free interest period sung a i ditkik le bel phatuam mahmah hi. Sum nei lemchang lou , emergency case a ding in mi batlak selouh a zatding in phatuam hi.

 

CONS: Credit Card  zat kideek haksa ahi. Dawr khawng i vakchiang, online a van i etchiang in ei neihsa omlou hinapi in Credit Card suanlam in a leikhak baihlam hi.Huai in khonung a bat kiguan hon suaksak a, financial planning bang hon hihbuai khathei  hi.A free interest period zoh a iditkik chiang in interest 3 percent per month khawng hisek  hi.Huaikia hilou, Government Service Tax (GST) leh Swach Bharat  Cess ( SBC) chihmin zang in hon gaam zawmah di uh ahi. Monthy Statement Charge chihbang, Annual  Maintainance Charge chih bang in le liauliau theih ahi.

 

MY TAKE:Tulai in Debit Card   zang in payment teng bawltheih hiphial hi.  Emergency case adia zatdia limsit zou ding ihihkei leh Credit Card  neihlouh mah hoihzaw ding  hi.

 

CAR TOH KISAI..

Khopi a lohnei a khosate’n Car i leiding chiang a full payment zou kitamlou, Bank loan khawng a i laktouh uh hisek ahi.

 

PROS: Kholum saan lai a mahni gari a AC on a tai heuhheuh bel ana nuamlua mah ahi.

 

CONS:.Loan a lak hihleh  khateng a bat ditding in hon ngaktou miuhmeuh hi. Gari thautui man a tampipi sen hong hipah hi. Gari hoihdeuh i chihte bang thautui hekdiak te hizawmah hi.Thautui pen thutuam hilai! Gari Servicing kumteng a ngai , insurance bawl gige ngai, gari parts  khekngai hun chiang in sum tawm bei liailou  hi.

 

MY TAKE: Niteng a zatdia poimoh na hihleh CNG bulhtheih gari lei in. Huchi lou kalteng khawng a zatdia en na hihleh OLA CAB, UBER , Auto leh Taxi full day hire chihte zatdan siam  sum tawmbei zaw ding hi. Mi neih va en ziak hiam , leizou sam ding chia ei poimoh dan enchian loupi a va lei pen chiinchi lou ahi.