How to Choose the Top Credit Card with Excellent Customer Service?

According to recent reports, Reserve Bank of India (RBI) allows credit card issuers to provide their customers with e-mandate facility from 1st September 2019. With this e-mandate facility, the hassle of payments will be reduced, and users can make payments to a merchant with ease. 

These companies have also improved their credit card customer care services to help enhance their cardholders’ experience. Thus, before you apply for a credit card, do make sure to check the customer care services of the issuer where you can reach without any hassle at the time of need.

Given below are some of the facilities that the top credit card with excellent customer service must provide. 

1. 24×7 availability

Credit card companies offer 24×7 customer care services. You can easily get in touch with the customer care executives anytime from anywhere. Products like the Bajaj credit card provide you with 24×7 customer care services. You can dial their toll-free number 020 3957 5152 to reach out to them. 

2. E-mail

Individuals can get in contact with the credit card customer care via an e-mail. These credit card providers offer instant replies to solve your problems better and faster. 

3. Mobile apps

You also get the facility to get in touch with the credit card customer care executives on the mobile apps developed by the company. 

You can also repay your credit card debt on the mobile app. Additionally with the app, you can track your transactions, check your outstanding bill, and check your reward points. 

4. Online chat

Credit card companies also enable you to reach out to them via their online live chat. To use this facility, visit the official website of your card issuer. On the official website, you will find this option on the bottom right of the page, which you can click to get in touch with the customer care executive. 

Also Read: Why Walmart Credit Cards are Worth Giving a Go?

These credit cards also provide several other benefits such as:

1. ATM cash withdrawal

You get to enjoy interest-free ATM withdrawal facilities up to 50 days. Against these withdrawals, you are charged with a minimal processing fee. Thus, before you apply for a credit card, make sure to inquire about these charges. 

2. Reward points

You earn bonuses in the form of reward points against several transactions. These reward points help you to avail offers and discounts on your purchases and assists you in lowering your credit card bill amount. 

3. Emergency personal loan 

With credit cards like the Bajaj Finserv RBL Bank SuperCard, you can avail an emergency loan with 0% interest up to 90 days against your available credit limit. This facility enables you to repay your loan in 3 affordable EMIs. You are only charged a minimal processing fee against these advances. 

4. Easy application process

You can apply for these credit cards online conveniently. To apply, visit the official website of your credit card issuer and fill an online application form with your personal and financial details. Once you submit the application form, you will receive an OTP on your registered mobile number. Share the OTP and furnish the required documents online to complete the application process.  4K Video Downloader Crack

5. Pre-approved offers

The Bajaj finance card provides pre-approved offers to their existing customers. The pre-approved offer eases the hassle of the application process and saves your time. 

These pre-approved offers are available on credit cards and other financial products like home loans, personal loans, business loans, etc. You will have to share your phone number and name to check your pre-approved offer. 

In addition to the above, you get to earn welcome rewards when signing-up for these credit cards for the first time. Additionally, these credit cards are loaded with robust security to prevent from cyber-hacks and frauds. 

To avoid the accumulation of debt and hefty penalties, do make sure to pay your bills within the grace period. Making timely repayments will also help you prevent interest rates from being imposed on your bill. 

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