| Do you have the experience of having a glut of credit | | | | your interest before theirs and will not recommend any |
| card agents constantly hounding you day-in, day-out? | | | | products until they have a firm grasp of your need and |
| Good credit card agents do not try to hard sell you | | | | financial situation. New agents may be over-zealous in |
| anything. They are supposed to act as the middle | | | | serving you but as long as they are sensitive to your |
| persons between you and the bank. In other words, | | | | needs, you should not dismiss them. |
| they are an extension of the services and customer | | | | 4. Pros and Cons Analysis |
| care of the bank or card company itself. You can tell if | | | | Good agents will tell you like it is. They will explain and |
| your credit card agent is good if he or she exhibits the | | | | analyze the pros and cons of the products to you |
| following characteristics: | | | | without diminishing your enthusiasm for their card. |
| 1. An In-depth Knowledge of the Card Company | | | | These people will give you more information so that |
| Your credit card agent should know the ins and outs | | | | you can make informed decisions. These are the |
| of the company he or she is representing. If your | | | | agents that will have many loyal customers. |
| agent has an intimate knowledge of the company, he | | | | 5. No hard selling |
| or she will know the range of credit products available | | | | Good agents do not hound you all day long. Any |
| and which one will best fit your need. Agents who are | | | | agents who do this are most likely concern about his |
| only looking for a quick commission won't help you | | | | or her self-interest and commission only. They are |
| much when you have inquiries about their cards. | | | | unlikely able to do a proper recommendation that fit |
| 2. Honesty | | | | your need and financial situation. If you are really |
| There are some agents who will lie and fib just to get | | | | interested in their company cards, you may want to |
| you to sign on the dotted line. Thus, after talking with | | | | ask the card company to send you another agent. |
| your agent, investigate the veracity of his or her claims. | | | | Good agent will be willing to spend some times with |
| You can do this by calling the customer service of the | | | | you to understand your need and make sure you will |
| card company or bank that the agent is representing. If | | | | receive the right products that will benefit you. |
| you found the your agent is exaggerating, drop | | | | Remember that as a customer, you have the right to |
| communications with him or her immediately. A good | | | | select the type of products that best serve your need. |
| agent will support his or her claims with statistical | | | | When dealing with any credit card agent, do not give in |
| evidences. | | | | to any hard sell or be enticed by all the high value |
| 3. Experience | | | | perks that you do not need. As long as you feel |
| Established credit card agents usually have had | | | | uncomfortable with your agent, simply stand up, thank |
| extensive experience in dealing with their clients and | | | | him or her politely and walk away. |
| are in a better position to help you out. They will place | | | | |