Tip For Closiing Your "Credit Card"
Saturday, 23 February 2013
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Keep in mind the following tips, when closing a credit card so that the process can be smoothly and is free of charge.
1.Clean The Bill
If you still have a Credit Card Bills,first..you must wipe it.This is the best way to pay the bills. If you can not afford it all at once, start paying bills from the credit card has a lower interest rate.
2.Read The Related Document
Read your Credit Card closing agreement procedure and possible penalties you incur before you close a credit card. If you have recently had your credit card is charged for the possibility of closing too early.
3.Collect Many "Present"
Generally, any reward points or other such technically still be yours even if the credit card is closed. But the wise man will collect them before it is closed. If the number does not meet a certain extent to get a gift, decide to release or retain the card to the limit.If the prize is less than the credit amount plus interest, better cut your losses by paying bills and credit card cover.
4.Cancel The "Automatic Payment"
Before you close your account, go to the bank website and cancel all automatic bill payment or transfer of accounts that have been set automatically to the credit card. If you do not do this, it could be that you are dealing with time-consuming paperwork when you close a credit card.
5. Phone, cancel and determine the effective date of closure
See customer service number on your credit card bill. In some cases phone numbers for different closure services. Prepare yourself talking to bank employees who are trained to persuade the consumer to cancel the closing.Answer all the bids with the "no, thanks, I want to close my card." Ask at the closing date of the credit card will be effective and clarifications if any additional cost that must be paid before the closing date.Do not assume that the closure will be effective immediately. If you could ask if there is a fee paid in advance. You can also ask for the closure of a credit card by mail.
6. Ask for written confirmation
When you call to close the credit card issuing bank's request to send a letter of request onfirmasi closure and the effective date of the closure. Keep this letter.If your credit report has been completed and the credit card has been closed still appears, you will have written proof that the account has been closed and the credit card companies who process it incorrectly.
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Judul: Tip For Closiing Your "Credit Card"
Ditulis oleh Unknown
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