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A Take on Credit Card - Rubique

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A Take on Credit Card - Rubique

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  1. A TAKE ON CREDIT CARDS Rubique

  2. With a Credit Card in your wallet; purchases, shopping or dining is no more a worry. Getting one of those branded dresses or buying yourself a latest phone handset is just a swipe away. But before going for this most popularly used financial product carried away let us spend some time to understand how your Credit Card functions on overall basis.

  3. Does Paying The Minimum Payable Amount on The Bill Keep You in a Safe Zone? NO. Not at all. The total balance of the previous statement period is actually the complete amount owed. If you pay only the minimum balance, you will be charged hefty interest on the remaining amount. This is how Credit Cards earn money and why they suggest such low minimum balances in the bill. Let's say your Credit Card has a billing period that begins on the 21st of one month and ends on the 20th day of the next month. Any transactions that are made post during this 21st-to-20th tenure will be reflected on your bill for that month.

  4. What is a Credit Card Dispute? A Credit Card dispute about using your card issuer to refund your money on an item or service that you found unsatisfactory for legitimate reasons, such as an item which doesn't fit its description or services you paid for, or that were never fulfilled, as well as other problems with the transaction. If you make a good effort to prove your grievance most Credit Cards come down to a settlement for they do not want to lose a customer.

  5. How Can I File a Credit Card Dispute? File the dispute: You can file a dispute with your Credit Card through its website, by phone or through e-mail. You have a better chance of proving your case by filing immediately. Provide any additional details requested: During the dispute submission, you’ll have to prove there was a problem with the product or service by supporting your claim with documentation that the item was malfunctioning or was not what you asked for. Additional details might include receipts, pictures and other related evidence. Patience: The process might take a number of weeks.

  6. What if Your Card is Lost or Stolen? • If God forbid you lose your card • Immediately call your card issuer and report the theft or loss mentioning your name, date of birth, phone number that it was registered with, and the account number requesting them to block it. • Follow it up with a letter with all details and apply for issuance of a fresh card.

  7. Some Tips to Make Your Credit Card Life Safer Just, be sure while transactions offline, like at petrol pumps, hotels, malls etc., make sure it is swiped in front of you as far as possible. If possible, better use a Credit Card which has a small limit that suits your earnings. Spread the cost of your savings in place to pay upfront to avoid a debt trap.

  8. With those tips and precautions in mind, visit Rubique to Compare interest rates and deals, and apply for a Credit Card.

  9. Thank You

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