4 Tricks of Credit Card That Will Save You Money.
As we know people who use their cards don’t have responsibility
to accumulate debt, but if you use credit card on right way and stay away from
debt, you can receive great value from your cards. I found 6 point tricks to
use a wise credit card that useful for you.
1. Reconsideration
Have you ever wondered? You have a good credit
score but your application is rejected. You will think over about the factors
that may have your issuer credit card decline application or you can apply
again and again to getting your card approved. In fact reason of decline was
probably just computer’s best guess as to your credit worthiness and it was incompetent
of considering every important factor. You can call your bank to ask for reconsider.
You will remind the representative of your excellent payment history. You can
also offer to decrease your credit line or close some accounts you may have
with them. Banks want you to your business and they have a good reason to
approve you, so don’t scare to ask.
2. Bonus
When you applied a credit card and many times get
to know later that there was a better sign-up bonus offer available. You can
contact your bank, inform them about the other offer and ask them to apply it
to your account. For the customer service, it’s easy to changing the “promo
code” field on their computer screen. You should login to your bank’s website
and send your desire to them, you’ll have the bank’s response in writing, so
there will be no argument over how many points or miles you should receive.
3. Complain the Chargeback
Many consumers who have engaged in extended fight
to get their money back from unscrupulous merchants. They call and inform your
argument to representatives of merchants in a time and it would be a useless
effort to get a refund. If you paid with credit card and the person who you
inform that the problem is hesitate to refund
your money, you can tell that you intend to request a chargeback from your
credit card issuer. In that case, a quick call to your bank issuer will result
in a temporary credit that will become permanent once, you must provide
documentation supporting your claim.
4. Maximizing Your Statement Cycle
If you’re paid bill in full
and on time are always receiving a free loan from their banks. It is the excellent
way to use your credit cards but you can even take this to the next level. The
charge of credit made the day before your statement closes will be due 20-25
days later. Even so if you make that same charge the day after your
statement closes, so you have extra 30 days to pay it without interest free
period of up to 55 days!
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