How to tell your Credit Card Provider that you are unsatisfied
Posted July 4th, 2010Making a complaint to a credit card provider
A Genuine Low Interest Credit Card
St.George have always been recognised for having customer service that is a cut above the other banks. If you are looking to switch credit cards, the St. George Vertigo MasterCard offers a great value offer with a low interest rate on purchases and balance transfers.
- $55 annual fee
- 13.24% p.a. on purchases
- 0.99% p.a. for 12 months on balance transfers
- Cash Advance Rate of 21.49% p.a.
- 55 days interest free
- Minimum Income Requirement of $15,000 p.a.
People frequently have problems with their credit cards, for a number of different reasons. The interest rate being charged may be too high, penalties and fines might have been imposed and the recipient doesn’t fully understand why, or there may be incorrect purchases charged to the credit card, that have not been authorised, or they have simply experienced bad service.
Whatever the reason for your dissatisfaction you do need to contact your credit provider and take it up with them, to get the matter sorted, particularly if it is a bad service issue.
The majority of people are reluctant to complain, and often feel they won’t get any help even if they do. This is the wrong attitude, most companies will go out of their way to resolve the issue, since it is not in their best interests to have dissatisfied customers. Plus it also provides feedback to the company which can be analysed for customer service improvements and to avoid a perception of bad service. A credit company will go to quite a lot of lengths to preserve a good customer relationship, as dissatisfied customers will talk to other customers and so and so on.
Another reason for you to complain to your credit card provider is that, one, they can solve your problem, but secondly you are establishing a relationship for the future. A customer who has lodged a complaint and had it resolved is far more likely to stay with the company than one who has not been looked after.
However, that is not to say you should rush into your credit card company the minute you think you have a problem and complain. Check the terms and conditions on your contract, look to see if whatever has occurred is covered in the small print of the conditions. If you can’t find your copy of your terms and conditions, a generic copy can usually be found on the company’s website. Verify that the terms you are looking at, are relevant to your particular credit card, and not an earlier or later version.
Before you ring through with your complaint, write down the issues that you want to discuss, this way you are prepared for any questions that may be asked. Nothing is worse than both parties on the phone being at cross purposes because they don’t understand what the other is trying to convey. If you feel your complaint is particularly important you can always request to speak to a senior officer who generally has more authority to deal with grievances.
Check out today's featured offers:
| Westpac Low Rate | Citibank Clear Platinum | Qantas AMEX Discovery | ANZ Platinum |
 |
 |
 |
 |
0% p.a. for 6 months on purchases & balance transfers |
2.9% p.a. for 12 months |
$0 annual fee Up to 10,000 Bonus QFF Points |
0% p.a. for 6 months on purchases & balance transfers |
|
|
|
|
Subscribe to our newsletter and get "The Ultimate Guide to Balance Transfers"
If You Like This Post...
Get all the latest deals, guides and loopholes go in Credit Card Finder's free bi-monthly email. Don't miss out - join the thousands who get it emailed!
Ask A Question