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