बार-बार रिजेक्ट हो रहा है क्रेडिट कार्ड का ऐप्लीकेशन? कहीं ये 8 वजह तो नहीं

30 May 2025 Image Credit: Canva

[{"selector":"#anim-20a3a5b3-22aa-41c2-acf4-197e879234dd [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-80250643-1522-4a7d-aeec-afd552d8d7e5","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-521f1567-9d4a-4ad8-b1ee-f480e4ca65c1","keyframes":{"transform":["translate3d(0px, 98.97499%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c6ed192c-d966-4f26-920a-775fac8511fd","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-eeb8e843-9412-46cc-97bd-584f73d47ad7","keyframes":{"transform":["rotate(-360deg) translate3d(117.26385%, 0px, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9245553d-75ab-440b-a3c1-727d0bc851da","keyframes":{"transform":["translate3d(118.49999%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-c18d3655-46e1-41d9-9fc2-53df03c1ec45","keyframes":{"transform":["rotateZ(180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] चलिए उन कारणों को जानते हैं जिनके वजह से आपके क्रेडिट कार्ड का ऐप्लीकेशन बार-बार रिजेक्ट हो रहा है। White Frame Corner Image Credit: Canva

1. अगर पहले से ही बहुत सारे क्रेडिट कार्ड हो

[{"selector":"#anim-c14191f0-6a8c-415a-bf40-7434db4516da [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-c1bb81ad-3f87-44a9-b8c2-c2a030e35abf","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-38f97092-6ae1-4a7b-b3e0-ae58d333fbbd","keyframes":{"transform":["translate3d(0px, 98.97499%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-55bf0f1b-54a6-476d-941e-652866de3369","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3eaf71f3-cb2c-4b7c-98cd-464c629606cf","keyframes":{"transform":["rotate(-360deg) translate3d(117.26385%, 0px, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-41d8fb8b-d338-4fdc-935a-640cb80c1386","keyframes":{"transform":["translate3d(118.49999%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-8deeec11-e194-4789-803c-1a383194c923","keyframes":{"transform":["rotateZ(180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] अगर आपके पास पहले से ही बहुत सारे कार्ड हैं, तो यह दर्शाता है कि आवेदक अपने पैसों का प्रबंधन ठीक से नहीं कर सकते हैं, नतीजतन क्रेडिट कार्ड आवेदन रिजेक्ट हो सकता है। White Frame Corner Image Credit: Canva

2. अगर वर्तमान नौकरी में काफी समय नहीं हुआ हो

[{"selector":"#anim-79ec38d6-bda1-4ed6-a632-281d35d5a5c1 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-edba3603-837a-48de-a863-5765ae57ba27","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a96c4e95-3640-4cfa-96c2-f2035bfed154","keyframes":{"transform":["translate3d(0px, 98.97499%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-17ac5482-11c2-41a0-9235-2c630b8355bc","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4f78c897-338f-4d7b-9c5b-1df44ebeba12","keyframes":{"transform":["rotate(-360deg) translate3d(117.26385%, 0px, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-fddad26f-87e4-4c0c-a0cd-abdd14bba730","keyframes":{"transform":["translate3d(118.49999%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-1d4f015f-ca9e-4edc-b329-185a4c9dd02a","keyframes":{"transform":["rotateZ(180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] 6 महीने से कम समय तक नौकरी में रहना नुकसान पहुंचा सकता है। क्रेडिट कार्ड के लिए अप्लाई तब करें जब कम से कम 6 महीने से लेकर एक साल तक नौकरी में हों। White Frame Corner Image Credit: Canva

3. अगर इनकम पर्याप्त न हो

[{"selector":"#anim-fcf27101-f7ee-495a-902f-0a8d9f665989 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-909ff0b4-f2bd-4622-bf4a-c3f55728a8b9","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-46f113a8-a6a1-4869-83f5-65bcf35af465","keyframes":{"transform":["translate3d(0px, 98.97499%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4ec1bb29-b8de-49ee-982b-1523ae5c452d","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a2b0d6ee-b2c8-49e8-b4fe-5cd4625eda88","keyframes":{"transform":["rotate(-360deg) translate3d(116.93811%, 0px, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-beb444e0-824a-4dcb-bd17-2c9ea152bea4","keyframes":{"transform":["translate3d(118.49999%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-60c4d82f-3842-4c78-b53b-7d89fa6d012d","keyframes":{"transform":["rotateZ(180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] हर बैंक एक न्यूनतम इनकम चाहता है ताकी कार्ड रिजेक्ट ना हो। इसके अलावा, यदि इनकम अस्थिर है या बार-बार नौकरी बदलती रहती है, तो बैंक क्रेडिट कार्ड आवेदन को अस्वीकार कर सकता है। White Frame Corner Image Credit: Canva

4. अगर पिछला क्रेडिट कार्ड हाल ही में लिया गया हो

[{"selector":"#anim-400cf5b4-7cc7-4d2c-b566-1a4785f97409 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-3488420f-ea87-4147-bd2e-6f43f44c9839","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-97082033-0cb4-4e3c-828a-96883016afc2","keyframes":{"transform":["translate3d(0px, 98.97499%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b437dfb6-8951-4210-816e-3321ef4088c4","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f6f384ba-0da3-43f1-aef9-226d07793704","keyframes":{"transform":["rotate(-360deg) translate3d(117.26385%, 0px, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-51df1d49-68ac-4728-ad25-d48fe2c3488a","keyframes":{"transform":["translate3d(118.49999%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-24837b89-f25c-4af7-a3b2-9c6a4a0f20d2","keyframes":{"transform":["rotateZ(180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] अगर आप बहुत जल्दी - जल्दी दूसरे क्रेडिट कार्ड के लिए आवेदन करेंगे तो इस स्थिति में भी कार्ड का आवेदन रिजेक्ट हो जाता है। दो क्रेडिट कार्ड के बीच कम से कम 6 महीने या उससे ज्यादा का अंतर होना चाहिए। White Frame Corner Image Credit: Canva

5. क्रेडिट कार्ड अप्लाई करते वक्त गलतियां हो गई हो

[{"selector":"#anim-e8aeb570-e374-49e1-8db3-a4a9c31691bb [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-2cbc8d26-788b-41b3-871c-0763114649b9","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7ddd290d-4d6d-4dd7-b610-d8c77b19e6c5","keyframes":{"transform":["translate3d(0px, 98.97499%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a4c484ba-98c9-4d82-a9d9-21e5ac53d02d","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-848622fa-652c-486f-956d-ac4fef6ed2d9","keyframes":{"transform":["rotate(-360deg) translate3d(117.26385%, 0px, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7ae5745c-698d-4061-b666-1b08c4edb042","keyframes":{"transform":["translate3d(118.49999%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-442792bc-2f36-44cf-adf0-f1a64ef5419d","keyframes":{"transform":["rotateZ(180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] कार्ड के लिए अप्लाई करते वक्त अगर कुछ गलती हो जाए तो कार्ड का अनुरोध रद्द हो सकता है। White Frame Corner Image Credit: Canva

6. अगर बहुत ज्यादा कर्ज हो

[{"selector":"#anim-59444e68-8288-4dba-bbe6-3be07bdb1a5c [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-7b0fd57f-dc63-4eb1-a459-a1c3cc14d14c","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0e4bf86b-9cf4-45a2-aeda-61618d1759de","keyframes":{"transform":["translate3d(0px, 98.97499%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-362ec59d-aa71-4619-b087-ca223b429417","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8291fd3b-3eca-4854-8df0-58f741b2b30b","keyframes":{"transform":["rotate(-360deg) translate3d(117.26385%, 0px, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9ecbdbae-e5a6-4dbc-b325-62607f6bf136","keyframes":{"transform":["translate3d(118.49999%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-f20a6c79-bbfe-4464-b101-3a3f56bff930","keyframes":{"transform":["rotateZ(180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] बैंक या लेंडर डेट टू इनकम रेश्यो की गणना करते हैं। अगर हाई रेश्यो है तो इसका मतलब अतिरिक्त कर्ज का बोझ पहले से ही है इस स्थिति में क्रेडिट कार्ड आवेदन अस्वीकार हो सकता है। White Frame Corner Image Credit: Canva

7. अगर ज्यादा क्रेडिट इंक्वायरी हो

[{"selector":"#anim-314d5dd8-4603-4fa7-a028-0930c95359f0 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-1c0ff137-2c5b-43f4-a42b-53d9c4687ba6","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f0bcfdae-97c1-40cd-af99-544daae6e6d4","keyframes":{"transform":["translate3d(0px, 98.97499%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-fb0bb8be-b589-4969-bcdb-e152d3130c97","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0921eb06-7737-4997-acf3-42732fd68aaf","keyframes":{"transform":["rotate(-360deg) translate3d(117.26385%, 0px, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-51f1635e-3e71-4bd0-9f1d-90c9f1f9e0bb","keyframes":{"transform":["translate3d(118.49999%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-99484189-3e9e-468e-9ffa-cf4f3cb731ac","keyframes":{"transform":["rotateZ(180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] जितनी बार आप क्रेडिट कार्ड के लिए अप्लाई करेंगे उतनी बार क्रेडिट इंक्वायरी जनरेट होती है और इससे क्रेडिट स्कोर भी कम होता है। ऐसे में क्रेडिट कार्ड का अनुरोध रिजेक्ट हो सकता है। White Frame Corner Image Credit: Canva

8. अगर क्रेडिट रिपोर्ट हाल ही में अपडेट नहीं की गई हो

[{"selector":"#anim-bfc6e8f0-06be-4f7e-a7a2-b5968c395439 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-c06951f9-83bb-46ae-ac5e-140f7c8ea6c2","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-416db133-27b8-4a94-8566-01505b4f805e","keyframes":{"transform":["translate3d(0px, 98.97499%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f58593f7-ca03-46f0-ba13-e7478031917c","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-294cc80e-7bb8-473b-bb06-15446fc4f9fe","keyframes":{"transform":["rotate(-360deg) translate3d(117.26385%, 0px, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bc2a1aa4-f67c-4d55-aa4f-a8df485f1be4","keyframes":{"transform":["translate3d(118.49999%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-526b8f6d-fba7-4dfa-8f9e-45745ea96a50","keyframes":{"transform":["rotateZ(180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] क्रेडिट रिपोर्ट को अपडेट होने में 1 हफ्ते का समय लग सकता है। इसलिए दूसरे कार्ड के लिए अप्लाई करने से पहले धैर्य रखें और पुराना रिपोर्ट अपडेट हो जाने दें। White Frame Corner Image Credit: Canva

संबंधित खबरें Gold Price Today: फिर से 1 लाख के करीब पहुंचा सोना, चेक करें आज 24 और 22 कैरेट का क्या है भाव? लोन लेना है तो लीजिए लेकिन पहले इन 6 बातों का खास ध्यान रखें नहीं तो लेने के देने पड़ जाएंगे Gold Price Today: 97500 रुपये के ऊपर निकला 24 कैरेट सोने का भाव, चेक करें लेटेस्ट रेट Gold Price Today: शुक्रवार को महंगा हुआ सोना! चेक करें आपके शहर में आज क्या है गोल्ड का ताजा भाव? Gold Rate Today: आज सस्ता हुआ सोना, चेक करें आपके शहर में क्या है ताजा भाव? 20-29 साल की उम्र है तो पैसों से जुड़ी ये 7 स्मार्ट चीजें अभी कर लें - होगा फायदा ही फायदा Gold Price Today: मुंबई, पटना, दिल्ली सहित अन्य शहरों में आज क्या है सोने का ताजा भाव? अलग-अलग होता है Cibil और Credit स्कोर, अंतर पता है? Gold Rate Today: सोमवार को सस्ता हुआ सोना! जानिए दिल्ली, पटना सहित अन्य शहर में क्या है ताजा भाव?