Negotiating credit card applications with agents
There are several ways one can obtain a credit card. Whether it's an online application or sales representative, the outcome is the same - a piece of plastic in your pocket and hundreds or even thousands of dollars in credit, together with endless possibilities of usage. But recently, scammers started disguising themselves as credit card agents to offer fraudulent deals.
Like any other method, applying for a credit card through an agent has its own advantages and disadvantages. First of all, agents provide a unique approach to customers. However, this often only applies to cases when agents contact you in person. Telemarketing is, in fact, much different from personal contact. There are agents that end up sounding annoying or irritating on the phone.
It is little wonder that criminals have started abusing the above practice. The process of applying through agents has shown itself useful, but so far there are very little protective measures taken. They claim to be credit card agents and talk you into paying upfront fees and giving personal details by offering credit cards on attractive, yet unreal terms.
So, what can one do to get as much protection as possible and at the same time enjoy credit card applications through agents? Follow a few simple rules and you should be able to enjoy having a credit card and stay safe.
First, make sure an agent is fully aware of what he is offering. Don't hesitate to ask whatever questions come into your head. There are certain agents who only aim for commissions and have little knowledge on the credit card company they are promoting. Don't expect anything good from them.
Next, there is a safety measure you can perform after talking to an agent. Research the deals that a company has to offer online or on the phone and then compare them to the ones offered by agent. This is an easy and fast way to check the legitimacy of credit card offers provided as well as the honesty of an agent.
Furthermore, experienced credit card agents are usually able to help you with your personal questions. In other words, they can suggest an offer that best suits your lifestyle. You might find information published on company's website insufficient
Also make sure that your agent tells you all pros and cons of the deal he's offering. Don't fall for a credit card that has extremely low rates and no hidden fees. Find an agent that will also inform you on disadvantages of the offer you are most eager to apply for.
Last but not least, stay out of over-persuasive agents. Pushy company representative are only concerned about their own interests. How can you trust an agent who is only helping you to gain more benefit for himself?
Following the above steps should keep you away from criminals. Besides, provided that the agent has a reasonable base of knowledge on whatever he has to offer, you will be able to choose the right card for yourself. Just remember not fall for deals that offer unbelievable rates and be reasonable when judging offers.