| | Comment |
| Mr Krishna Rai | धन्यबाद गोबिन्द बेल्बासे ज्यु।राम्रो जानकारी गराउनु भएकोमा। |
| Mr Kesar Sahi | Thank you for your valauable information |
| Mr Bhupendra Gurung | Thank you very much for email and information. |
| Mr Dharmendra Puri | Wow !!! Many thanks. I really appreciate u. |
| Mr Milan Gyawali | Great article! |
| Mr Durga Dhakal | It is instructing mail and interesting so. Thank you very much. Happy Teej. I am in Nepal at this movement. |
| hari siwakoti | yo 100% maile pani vogako ho sir,dont worried,rhin vane ko rhin nai ho belbase sir, |
| Mr Hom Sunwar | यहाँ को अमुल्य सुझावको निमित्त धेरै धन्यबाद, हो हामी धेरैजना धेरैपटक सिकार बनिसकेका छौं आशा छ हाम्रा साथीभाई ईष्टमित्रबर्गमा यो घटना दोहोरिने छैन |
| Mr kaprasad chhantyal | Thank you for email & info about credit cards. It is being long time that I am not using credit cards. Only issued but not for use. Thank you. |
| Mr Randhoj Rana | यहाँले आफ्नो अनुभव शेर गर्नु भएकोमा धेरै धेरै धन्यवाद, खुशी लाग्यो, यो एउटा जरुरि बिषय हो, मेरोमा अहिलेपर्यन्त खासै छैन, साथी भाइहरुसंग कुराकानी गर्दै गरौंला, केहि पत्तो लाग्यो भने निश्चय यहाँसंग फेरि भेटौंला। |
| Mr Kul Prasad Yongya | तपाईले धेरै उपयोगी कुराहरूको जानकारी गराउनू भयो यसकोलगि मेरो हृदयबाट नै धन्यवाद भन्न चाहान्छु ।तपाईले लेख्नु भएका कुराहरू मैले भोगेका कुराहरूसंग मिल्न गएकोले सारै प्रभावित् भए ।नम्बर एक: म पनि क्रेडीटकाड उपभक्ता हुँ । तर मसंग कुनै नाफा, नोक्सानको हिसाब किताब केही छैना । खाली नगद (cash) पैसा बोकिराख्न नपर्ने झन्झट बाट मूक्त हुनु हो । तर भाग्यबास् आज सम्म to reach your account by भनेर दिएको समय अवधि भित्र रक्म बुजउदै आएकोले आजसम्म कुनै सपना बिग्रने गरी ब्याज तिर्न् परेको छैना oh my god! दोस्रो नम्बर: भाषाको समस्या, मेरो भाषा कम्जोर छ भनेर केही ब्यबहार अथवा कूनै कारोवार नगरी बस्ने कुरा भएन् । आफुलाई आईपरेको समस्याहरूमा कारोबार गर्नू नै पर्यो । जूनबेला समस्या आई पर्छ अनि पसीना छुटिन सुरू हुन्छ । अरू ठुलो कुरा त के भनौं भाषा कमजोर हुने मान्छेले टेलीफोनको अफसन प्रयोग गर्दै कस्टमर सर्भिससम्म पूग्न पनि दाँतबाट पसीना छुट्छ। कस्टमर सर्भिसमा पुगेपछि कति मिठो सब्दमा "केन् आई हेल्प यु"भन्ने सब्द सुनिन्छ अनि आफूले भन्नु खोजेको सब्द नआयेर र आएको वा भनेको कुरा नबुझीदिएपछि सपनामा आईठन लागे जस्तो अनुभव हुन्छ ।तेस्रो नम्वर: क्रेडीटकार्ड नम्बरबाट पैसा भूक्तनि गर्ने बारेमा, म कहिले पनि क्रेडीटकार्डबाट ऐर टिकेट लगाएत अरू कुनै तिरो भरो गरदिन् । साथी, भाईहरूलाई सर–सापटीको कारोवार गर्दासम्म पनि बैंकबाट ट्रान्फर गर्ने गर्छु र रिसिप राख्ने गर्छु ।अन्लाईन बैंक ट्रान्सफर नै पनि ब्यबहारमा समस्या हुँदोरहेछ । गएको फेब्रुवरी महिनामा PCV (Coach) ड्रभीड़ सिक्ने भन्नेर एउटा ड्राङभीङ कम्पनीलाई (£1100) ईघार सय पैसा अनलाइन बैंकबाट ट्रसफर गरे, पछि धेरै मलाई पर्खायो र मलाई उचीत लागेन र पैसा फिर्ता गर्ने र कोर्स क्यान्सील गर्ने निरणर्य गरेर पैसा फिर्ता गर्न बैंकसंग अनुरोध गरे तर अनलाईनबाट पेमेन्ट भएकोले सम्भव नहुने बताए । धन्यबाद ! |
| Bharat Roka | सारै राम्रो अनुभब बटुलेर लेक्नुभाएको सन्देस रहेछ धन्यबाद बेलबासे सर ! जे होस् जसले चलाउछ उसलाई धेरै जानकारी मुलक छ . |
| Mr Bhagirath Yogi | Thank u very much for sharing this interesting and informative article. You have covered all the issues in an interesting way, so I don't see any need to add anything. |
| Mr Ganga Gurung | Thank you for the info and suggestions hajur. I haven't used the credit card for nearly 2 years. I could write a book regarding the CC but.. since those days.... I don't even want to touch that bloody Card, sorry for the language. Regards to the Pariwar hajur. |
| MR Bipin Nembang | Thanks for sharing your great experience although I've known about credit card system. |
| kedar Sunuwar | एकदम राम्रो कुरा भन्दिनु भयो । मेरो त ५-६ वटा छ केही हिसाव किताव छैन, खुरु-खुरु ब्याज मात्र तिर्छु । now i have to monitor closely. |
| Mr Nirak Thapa | thank you. I learn some thing. |
| Mr Suraj Sharma | Namaskar, Govinda ji b4 haru share garnu bhayako ma dheri , dheri dhandey baad. Knowledge batha badchha.. Vanchhan. |
| Nima | Thank you hajur. Interesting kuro. However, people like myself or anyone who have common sense it is just a matter of ease at hand. Of course there are advantages and disadvantages in using credit cards. But it comes to self discipline and personal finance management. These days there are many tools available where any one can calculate how much your out goings are in a month. If you are tight in your budget, these cards come a little handy coz some of them have at least 30 to 60 days grace period to pay back. That means you are not paying any interest within that period. So if you have luxury of credit cards you can use it wisely. I personally have a HSBC credit card (from Hong Kong) with a HK dollars 200,000 credit on it. But I never had to use it coz I stick with my budget.In this 21st century you don’t want to carry cash around in your pocket unless really necessary. Even a country like Nepal has such facilities these days. In addition, there are guarantees to receive your money back if you pay by your credit cards these days and are automatically insured so that you don’t loose your hard earned money.But of course there are dangers of data theft which is becoming more and more serious these days. On line payments are always risky. Even when paying you need to watch the person when you hand over your card. So that they don’t disappear behind the curtain and hack your card. Otherwise these are tools of modern day technology any one can enjoy. But every one has to be careful and watch when ever we use our credit cards. |
| Mr Rai | Thank you hai belbashe jee.Mero lagi ta siri khanda hoina khurpako bid sari bhane hunchha hajur. |
| Mrs Meena Thapa | personally i have one credit card but never use it, i always use Debit card, i also had couple of problem on credit card, since then i stop using credit card...janne lai shri khanda ra na janne lai khurpa ko bid ... bhane jhai ma pani khurpa ko bid bhitrai pare. |
| Mr Mohani Lal Ghimire | तपाईको प्रत्येक शब्द र बाक्य जानकारी मुलक छन। धेरै धेरै धन्यबाद र कृतज्ञता हजुरलाई !!!! |