Duran Mueller an expert author and credit card consultant,provides great Advanta credit card tips. Read more credit card articles at his credit card website.
In the first part of this series we talked about five important questions that should be asked to your credit card agent. Revising the concept we find that asking about the various APR's, fees, credit limits, credit card acceptance and additional benefits that come with the credit card definitely help. Now, let start with the other five most important questions to ask.
6. What are the reward associated with the credit card?
Get an idea of the reward program if the credit card is a reward card, and ask how the reward program will help you in your area of operation.
7. Are there any preferred partners for credit card rewards?
Clearly ask whether, there are any preferred partners for the credit card rewards. If so get a list of them and ask what will happen to reward program if money is spent at some location which is not in the preferred partners list.
8. What are the limitations to rewards?
Credit card companies hide lot of reward program related stuff in fine prints. Things such as blackout dates, travel restrictions, seat restrictions, partners restrictions, spending restrictions, reward program expiry affect reward programs very adversely. Get an idea about them.
9. What is the grace period?
Checkout with the credit card company whether they allow grace period to pay the monthly balances or not.
10. What are the things in fine prints that can affect credit card ownership?
Though credit card companies won't tell you all the details buried in fine prints but asking helps. This gives an impression that you want to know as much as possible about the credit card. An informed customer can't easily be duped.
- Related Videos
- Related Articles
- Ask / Related Q&A
- Student Credit Cards | Apply Online
- How To Apply For Credit Cards For Poor Credit
- Enjoy Tension-free Shopping With a Visa Debit Card & Visa Classic Credit Card
- 0 Interest Rate Credit Cards - Apply Online for Yours Today
- Will Using Balance Transfer Credit Cards Lower My Credit Score?
- Credit Cards With No Credit Checks and No Security Deposit
- Credit Problems? - Apply for a Credit Card for Poor Credit
- Credit Card or Prepaid Credit Card?
How to Have a Happy New Year With Credit Card Debt
By: Jeslyn Jessy | 26/12/2009Pretty soon year 2010 will be here after the holidays. For people who are still knee deep in credit card debt, how do you have a happy new year?
Knowing the Don'ts For Debt Negotiation
By: Jeslyn Jessy | 26/12/2009Besides writing a debt settlement letter to your creditors or debt collectors, another way to communicate with them is through phone calls. If you think that you are better in verbal negotiation, you can start calling your creditors to bargain with them. Here are some important reminders you need to keep in mind. Make sure that you DO NOT take the following actions:
Will Your Debt Settlement Letter Be Rejected?
By: Jeslyn Jessy | 26/12/2009During financial hard times, many creditors start to accept debt settlement as they foresee that their debtors have lost the ability to pay back their outstanding. However, it is important for all the people in debt to understand the fact that not every settlement letter you send to your creditors will be accepted. No matter how good your writing skill is, there are circumstances where your proposal will be rejected. Let's take a closer look at the situations below:
Hammering Out a Perfect Debt Settlement Letter
By: Jeslyn Jessy | 26/12/2009If you are working in the corporate world, producing a letter seems to be a very simple task for you. However, writing a legal binding letter is not as easy as you expect. For people who intend to negotiate with their creditors for debt reduction, it is indeed important for them to use the right techniques to hammer out a perfect proposal so that they are able to reduce their total debt at the maximum amount and at the same time, protect their credit score.
Overcoming Credit Card Debt Problems With New Year Plan
By: Jeslyn Jessy | 26/12/2009Most of the Americans have been hit hard by the current crisis and they are still drowned in deep credit card debt. If you are also one of the victims, what are the appropriate steps you should take? Regaining financial strength is a must.
Learn Why Credit Funding is a Major Problem
By: Colon Bolden | 25/12/2009You can't do anything to change the economy, but you can change whether you will be approved for a loan, and what interest rates banks will offer you. If you are having trouble getting a loan to use as start-up or expansion capital for your business, you are not alone.
Getting Out and Staying Out of Credit Card Debt
By: Ed Dearmin | 25/12/2009Credit card debt is a major cause of over one million bankruptcies each year. The reason is that many people get a credit card without researching and reading the fine print. By the time annual fees are added on, along with spending indiscriminately, payments are missed, which causes their balance to skyrocket.
2 Major Advantages of Being Rejected for a Credit Card
By: muellerduran | 10/07/2007 | CreditDon't get dejected when you find a rejection letter in your mailbox. Strange it might sound but the rejection letter brings two major advantages with it. It is a real opportunity, waiting to be exploited, provided we look towards it with the right attitude.
Fees for not Using the Credit Card and 3 Other Lesser Known Credit Card Related Fees
By: muellerduran | 10/07/2007 | CreditCredit card companies associate various different fees with the credit card. These fees increase the cost of credit card ownership. A close scrutiny of the terms and conditions associated with the credit card will definitely make the credit card owner aware about them. But, if they find it too cumbersome to read all the document, they can simply ask their credit card agent about it and get the facts straight.
3 Steps to Get your Apr Rate Lowered
By: muellerduran | 09/07/2007 | CreditCredit card companies do lower the APR rates if approached with the right attitude proper planning. What is the correct procedure to do it? In this article we take a look at 3 important things that could help you get that skyrocketing APR under control.
Important Fees Associated With Prepaid Cards
By: muellerduran | 09/07/2007 | CreditPrepaid credit cards are becoming increasingly popular amongst consumer to improve financial discipline and credit history. Though, a prepaid card doesn't come a with late penalty because there are no repayments to be made, but there are various other fees associated with them, which increase the ownership costs.
10 Important Questions to Ask the Credit Card Agents to Find the Right Credit Card: Part-ii
By: muellerduran | 06/07/2007 | CreditIn the first part of this series we talked about five important questions that should be asked to your credit card agent. Revising the concept we find that asking about the various APR's, fees, credit limits, credit card acceptance and additional benefits that come with the credit card definitely help.
10 Important Questions to Ask the Credit Card Agents to Find the Right Credit Card: Part-i
By: muellerduran | 06/07/2007 | CreditApplying for a credit card is becoming increasingly complex day by day. Though the online application form looks simple but there is lot more than filling out the basic information to get the best deal on credit card. What are the questions you should ask the credit card company or agent to achieve your goal?
10 Ways How Student Credit Card Debt Can Turn your College Life Into Hell
By: muellerduran | 05/07/2007 | CreditAre you taking your student credit card debt lightly? The following points show how seriously it can damage your student life. Take a look and get serious about that student credit card debt.
Using the 0% Apr Credit Card to your Maximum Benefit
By: muellerduran | 05/07/2007 | Credit0% Intro APR credit cards are a boon for those who like to manipulate things. These credit cards allow you to save on high interest rates while the offer lasts. How can we use a 0% Intro APR credit card so that it saves us the maximum amount of money? Here are few tips to do it, but make sure you follow the precautions also or things can turn bad.