9.1 शाखा परिदृश्य – भुगतान विधि निर्णय

पाठ सीखने के उद्देश्य:

  • Payment Options – Recognize cash, debit, credit, mobile pay, checks, and gift cards, and know the basic purpose of each.

  • Debit vs. Credit – Understand that debit uses your own money while credit is borrowed and may add दिलचस्पी.

  • Costs & Safety – Spot fees, interest, and security steps so you can avoid extra charges and protect your information.

  • Smart Matching – Learn to match the payment method to the purchase, use banking apps to track spending, and choose tools that fit your habits.

मुख्य पाठ जानकारी:

  • Different Methods, Different Uses – Pick cash for small buys, credit for big protected purchases, mobile pay for speed, and checks or gift cards when they fit the situation.

  • Credit Is a Loan – क्रेडिट कार्ड offer rewards and buyer protection but charge दिलचस्पी if you don’t pay in full; debit और नकद keep you from overspending.

  • Watch Fees & Protect Data – Look out for ATM fees, overdrafts, and online fraud; use strong passwords, secure sites, and app alerts to stay safe.

  • Use Digital Tools – Banking apps and alerts help track limits, avoid fees, and stick to your plan, turning everyday payments into smart money management.

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