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How To Find Legitimate
Offers
With so many different offers being put to cardholders, and
with many of these from telemarketers rather than the card
issuer, it’s difficult for a cardholder to know what is a
legitimate offer and what constitutes someone trying to obtain
access to your information when information is processed over
the telephone. The major key to knowing what constitutes a
legitimate offer is that the caller will have no need to ask
for your credit card number as the card issuer has already
provided this information to the caller’s representative or
company.
The most important thing to keep in mind is that if you have
any doubt about an offer made over the telephone, call your
credit card issuer and inquire. Either that, or ask for the
telephone number of the caller so that you can call them back,
but never give credit card information to anyone who called
you. With all of the solicitations being made to cardholders
for different kinds of insurance products, it’s easy for a
cardholder to be entrapped by an unscrupulous salesperson and
be deceived.
Only accept offers in which you are truly interested – don’t
let a salesperson talk you into something you do not want, do
not feel you need, or that you already have. Choose carefully
the products you want to purchase and allow yourself time to
review the details before you make a final decision. Certain
insurance products are important to have in order to protect
your financial security and that of your family, and these
should be thoroughly researched to guarantee their
authenticity.
The most important insurance to have on your credit card
includes life insurance to pay the bill if you should die,
disability insurance to cover the payments in case of illness
or injury, and buyer protection insurance for purchases you
make with the card. Travel insurance is usually free, so unless
you don’t have any on your card or want to add extra, be wary
of these offers. When it comes to credit card insurance, more
is not necessarily better because in most cases, an extra
policy is not going to cover anything additional, so the only
thing additional you will receive is another addition to the
balance on your card.
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