Questions To Ask Your Credit Card Company Before Signing Up

QUESTIONS TO ASK YOU CREDIT CARD COMPANY BEFORE SIGNING UP

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The most important thing to understand before going in for a credit card is that as a user of the card you are eligible to have all your doubts and apprehensions clarified to your satisfaction without which you should never proceed with getting one. And that includes your silliest doubts as well. Whatever provider you take your credit card from be it master Card, Amex or Visa should take out the time to clear all your queries following which you can decide on which card to go in for. Some of the questions that you should mandatorily ask your credit card company include:

1. What are the rates of interest that you are offering me?
2. What is the offer period like?
3. How much would I need to pay once the offer period lapses?
4. What are the terms and conditions involved?
5. Why do I need to take the card from you as against your competitor?
6. Do you think that the card that I have chosen is ideal for me?
7. Is there another option that suits my profile, budget and purchase
   behavior better?
8. Can I get a reduction to my annual fee?
9. What special offers are on for this card Vis a Vis other cards that you=
   have?
10. What is the credit score that would be ideal for the card that I choose=
    ?
11. If I do not have the adequate credit score do you still think I can
    manage to pay the amount that will be due every month?
12. When do I need to pay my bill every month?
13. Do you offer a report to the rating agencies if I pay my bills on
    time regularly?
14. What will happen to me if I cross my spending limits?
15. What happens if I do not pay my bill on time and what are the late
    payment fees like?
16. What is your debt settlement procedures like?
17. Who would I need to contact for any emergency clarifications?
18. Do you have a customer service desk that works round the clock?
19. Can I transfer my existing credit card balance to this card?
20. If I do so what are the benefits that I get?

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These form only general doubts. It may always be possible that you
have other doubts specific to your case.

Whatever they may be just keep in mind that your credit card provider is obliged to answer your
queries and will definitely not minding doing that. So just don’t be apprehensive about asking them.

Questions To Ask Your Credit Card Company Before Signing Up is a post from: Credit Card debt help online News

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