A List of Useful Credit Card Services

When looking to obtain a new credit card, careful consideration should be made in analyzing all credit card services available to you. The card should have no hidden fees, a great interest rate, a credit card rewards program, global acceptance, and most importantly excellent service. You should be able to take advantage of all the benefits and services available. Some of these services are explained below:

Free Emergency Card Replacement Service and Cash Advance

You are not liable for charges, if your card is lost or stolen. You will need to call the credit card service's toll free number at your earliest convenienct to report your card lost or stolen. A customer service representative will make arrangements for you to pick up your emergency replacement card at the earliest at a convenient location, or will make arrangements for delivery to wherever you are. You can also receive an emergency cash advance according to your available credit limit.

Balance Transfer

New card members get a low introductory rate to consolidate all your credit card debts onto a single card to save money on interest charges. Typically the rates are valid for three months, but every card rate varies. Check the terms of your agreement for detailed information.

Zero Liability

With the Zero liability policy, you can shop anywhere without worrying about unauthorized use of your credit card.  This feature eliminates your liability for fraudulent transactions. It is typically offered as a free service for all card members. If you notice any fraudulent activity on your card, report it promptly to your financial institution to avoid further confusion or loss to the credit card company.

Travel Accident Insurance

Your family members and you can receive accident insurance coverage when you use your credit card to charge travel tickets, regardless of whether you are traveling for business or pleasure.  The insurance covers all public transportation systems. Coverage begins and ends at the places designated on your travel tickets. In the event you or your spouse dies as a passenger, an additional death benefit will be paid.

Complimentary Concierge Service

Concierge services save you time by helping you make travel arrangements, dinner reservations, recommend restaurants, or procure theatre tickets. Some services go the extra mile by offering everyday needs such as finding you an electrician or the nearest florist, planning a special occasion or a vacation, or providing any business related assistance. The concierge service is available to you anytime and anywhere for quick and convenient assistance.

Free Supplementary Cards

Enjoy pre approved additional credit cards for your family members at no extra cost to you. At the end of each month all charges will appear on the primary cardholder’s statement.  For example, you can issue your spouse a card for emergency uses.  

Purchase Security and Extended Protection Insurance

All your purchases made with your credit card are protected against theft, manufacturing defect, vandalism or damage. These items will be replaced, repaired or you will be reimbursed if they are lost or damaged within a certain number of days of purchase. The purchase security and protection insurance comes to you with your credit card at no additional cost to you hence you can shop with confidence.