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Credit card companies: the rewards, promos and services that make the difference
With so many credit card companies offering credit cards, the
consumer market for credit cards has become one tough cookie to
crack. To stay competitive, credit card companies offer various
extra services, rewards programs and promos that would lure
consumers to sign up with their company.
Rewards program
Most credit cards have a some sort of rewards program running.
Rewards program in credit cards basically follow one set of
principle. The more you spend and the more you see your credit
card, the more points you will get. Often, there is a standard
equivalent for every amount spent. For instance, one point is
given for every, let's say, 10 dollars purchase.
The points can be accumulated and later exchanged for a product
or cash, whichever is being offered. Some banks even send out
catalogs where their clients can see just what is being offered
in exchange for their points. Some credit card companies even
allow for half points-half cash scheme provided that it will be
charged to the account.
Rewards program is actually a great and effective way not only
to lure customers into the program but also to keep them there.
And what is more they are encouraged to use their credit cards
as often as possible.
Discounts in establishments
Some credit cards offer discounts when used in partner
establishments. Some credit card companies even offer up to 20
percent discount. This discount scheme can be usually found in
credit cards that target a specific niche market. For instance,
if a credit card company hopes to target the young
professionals, they would partner with establishments where
these people usually shop or eat at. Partner establishments can
range from a measly ten to as many as 50 stores.
Zero interest promos
To lure people to spend, credit card companies often tie up with
establishments and offer zero interest for a specific time
frame. The client can purchase the item and be able to use it
without paying for it
immediately. The purchase will reflect in
the monthly statement after the zero interest period has ended.
This is often done with items that are very expensive such as
tech gadgets, electronic equipments and house furnishings to
encourage buyers to purchase item that they do not really need
or are not so very necessary to their house. Luxury items such
as jewelry are also sometimes covered by this scheme.
Free items
Credit card companies often offer free items when a client
decides to sign up with them. Free items vary, depending on the
type of account that a client will avail of and also depending
on how high the credit limit is as well as the monthly income.
Gold card clients for example will get a much more expensive
free item when they sign up while those that have signed up on
regular accounts will often get regular items.
Waived service charges
Credit card companies also reward their loyal customers,
especially those who have reached a certain amount purchased in
a year, by waiving some of the service charges that they incur.
For instance, customers who have good credit history with the
credit card company need not pay for the annual fee. The company
automatically waives the fee so that the client will stay on
with them.
Carl Cox makes it easy to find the credit cards and loans
that suits your needs, quickly & easily. Learn the essential
keys to credit at application secrets or view our
credit guide at average card credit
About the author:
Carl Cox is an award winning financial adviser, author and well
known speaker. He makes it easy to create and understand lines
of credit. Learn the essential keys to credit and get free
weekly tips and how-to advice by visiting
http://www.1st-credit-cards-plus.info
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