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Credit cards are very helpful in this
present evolving time. But what will you do if trouble
arises? Face them; credit card problems are at times
inevitable. Your credit cards can be damaged, lost,
stolen, captured or even cloned! How can you solve such
harms?
And most of all prevent such hassles?
Your credit card can be damaged. Your credit card
usually becomes thin and prone to breakage due to
frequent use or swiping at terminals. Sometimes, the
magnetic stripe at the back of your credit card becomes
unreadable too. In effect, you might not be able to use
it when you need to.
To prevent such
inconvenience, be sure to check always your credit cards
for cracks
and excessive swiping marks before and
after you use it. You will know if your credit cards
have been excessively swiped if they have too many or
too deep straight white markings already on the card. |
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| Your credit cards have
expiration too. Expiry dates are embossed in your credit
cards. Though this is rarely to happen, but sometimes
you aren’t mindful that there is such a thing as credit
card expiration. Though at times you know it but usually
forget about it and still use it. So to prevent troubles
at department and other establishments, be sure also to
check the expiration date of your credit cards. Nearly
all credit card issuers send the replacement card to
their cardholders nearly more than a month before the
current card expires. But sometimes problems occur when
sending the card. This may be due to change in your
address. Another is when you, yourself, misplace the new
card.
Your credit card is constantly at risk to be lost or
stolen. To prevent it from happening, always secure your
things where you can see it. If it has happened already,
then it’s about time to call for help. If you know the
customer hotline of your credit card issuer, it’s best
to notify them the soonest you notice your card has been
lost or found out that it is stolen. Therefore keeping a
record of your credit card details in a secure place is
also a good preventive measure. Know by heart also the
customer hotline number of your credit card issuer so
you will need not to check on the directory or call
another operator to find or ask for it.
Your credit card can also be cloned too. Cloning of
credit card is a crime, considered as credit card theft.
Like cloning, your actual credit card can be copied and
duplicated as if it has a twin. And like genuine credit
cards, it can be used anywhere to buy items or avail of
services. So you will be charge for things or services
that you have no account for. Typically, this kind of
duplication happens in places like in restaurants where
the card is brought to the cashier away from you. So
there’s no chance you can see what they do with your
card while you are busy chatting with your companion. To
avoid this kind of threat, be on guard when paying with
your credit card. Especially when you can’t see it, be
mindful of time that has passed after they took the
credit card. If it takes longer than usual, it’s best to
find your card. Better to be safe, than sorry!
Replacement of credit card solves majority of the
problems arising from credit card’s usage. And this may
be an additional expense for the cardholder. Credit card
replacement fee ranges from four hundred pesos
(PHP400.00) to five hundred pesos (PHP 500.00) depending
on the type of card and its issuer. So to keep incurring
such expense, please keep an eye on your credit card.
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