Credit card agents
fill in a vital gap between credit card customers and banks. Their job is to
present true facts and benefits regarding various credit card services offered
by bank to consumer in an easy to understand way. But how to find the right
credit card agent? Look for the following 5 essential skills and it will
become an easy task.
1. Polite selling skills
The right credit card agent won't hard-sell things to you. In fact, he or she
won't even bother you during your important times. They will respect your
privacy and value your time as much as they do to theirs. If you find a credit
card agent who, at the slightest provocation starts nagging you day and night,
pressing too hard for a particular offer, or selling something that is not on
your priority list, it should ring warning bells for you. Stay clear of such
business mongers and look for the right credit card agent.
2. Expert knowledge of his domain
The credit card agent should
have an in-depth knowledge about the credit cards and other related financial
products from the concerned company. The right credit card agent would
also have insider contacts which can get you a better deal on your credit card.
Things won't go smooth if the credit card agent you have engaged is found
lacking in knowledge and confidence.
3. Honest and committed
The right credit card agent will be
committed to your cause and will be honest in his/her dealings. Things such as
hidden costs, unnecessary and unrelated expenditures won't be on his agenda.
Though, he should not bother you at odd times but the agent should be there to
stand by you and answer any query you have to your satisfaction. Making tall
claims without substantiating it with sufficient statistical proofs, lying,
deception, hiding facts and pretending to be honest till you sign the dotted
line are all signs of a dishonest and fraud agent and should be avoided at all
4. Good referrals
A good credit card agent
should be experienced and must have provided similar services to clients other
than you. When asked for referrals if a credit card agent procrastinates and
tries to push the matter on the backburner, things are fishy. A credible and
experienced credit card agent on the other hand will readily give a list of
clients which can be contacted to get an idea of the quality of his/ her
service. Interacting with the referrals will show, how satisfied previous
clients were wit the agent's service. If past is any indication of future you
should go for a credible agent.
5. Able to present the facts in a digestible manner
Financial lingo, esoteric credit card terminology, terms and conditions in
fine prints-- if your credit card agent is not able to explain everything in
simple and clear terms, perhaps its time to change agents. The very idea to get
a credit card agent arises because no confusion should remain regarding the
credit card terms and the whole exercise goes in a smooth way. Good credit card
agents will present the facts in a more digestible form while keeping them
correct, they won't misrepresent things or hide things in statistical jumble
just to get your approval.
The fact to remember here is that you are a customer who wants a credit card
service. The credit card agent is there to present various facts and figures
regarding the credit card in a clear and legible way. If you feel being bullied,
cheated, or uncomfortable in any way with your credit card agent, it is good to
part ways with him and find another one.