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!