5 essential skills of the right credit card agent

Duran Mueller
Apr 24, 2007
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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 costs.

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.