Credit card ko paisa tirena bhane Bank le khojdai aaudaina nepal samma. Every bank has in budget kept an overhead . Taapai lai achamma lagcha , but bank assumes that some people would run away without paying their money. The keep it as an overhead.

Tara tapai Nepal bhagnu bho bhane ta thikai cha. Tara pachi US aaunu paryo bhane chahi garo hola. Sap record dekhincha.