Tag Archives: Credit card Promotions

HOW TO AVAIL CREDIT CARD OFFERS IN INDONESIA?

Cashless economy has picked up a lot in the recent years. The introduction of cards, electronic wallets and online banking has brought a huge change and growth in the country’s economy. The credit cards, debit cards, shopping cards and many more have simplified our way of living and narrowed the risk of theft and robbery. Nowadays, banks offer a wide array of Credit Card Promotions & schemes for increasing their customer base and earning loyal clients.

There are numerous schemes like reward points, travel miles, discounts, cash backs, complimentary offers etc. on Master Card and Visa Cards for facilitating the customers. There are plenty of useful credit card promotions provided by banks like Citibank to its patrons under various types of credit cards like Citi Telkomsel Card, Garuda Indonesia Citi Card, Citi Simplicity+ Card, Citi Cash Back Platinum Card etc.

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credit-card

You can avail the fascinating offers that Visa Card and Master Card provide by abiding the easy to follow terms and conditions of the banks. Unlike many other competitors, the Credit Card Promotions of Citi Bank are easy to fulfill and do not come with many ifs and buts. The most loved feature of their Credit Card Promotions is that the reward points, air miles and shopping points earned by the customers do not lapse. The bank branches are spread across the globe and the services viz. air miles, shopping points, international transactions etc. can be availed in any country.One just needs to apply for the credit card which can be done even online.

For earning 10% interest on Visa card bill, one just needs to pay his dues on time every month. There are no caps or over limit fees on this offer on Citi Simplicity+ Card. You can enjoy the benefits of 20 kilograms extra baggage and free air miles on Garuda Indonesia Citi Card. Abundant offers await you at Citi Bank.

One must provide proof of payment (invoice/ receipt of transaction, in original), the credit card slip and identity proof to avail the Credit Card Promotions provided by various banks. The banks do not allow transfer of benefits from one cardholder to another. Various promotional offers cannot be clubbed with one another. These are a few basic conditions to be kept in mind by the customers before utilizing offers on credit cards like Visa Card and Master Cards etc.

The banks provide 24 hour phone banking facility, free hotline numbers for handling customer grievances, automatic and immediate activation of credit cards and many more services to make the lives and lifestyle of their customers effortless and relaxed. These services can be availed at the click of a button. Every dining experience, shopping spree and flight fancy would fetch you a bonus goodie if you transact via Citi Bank Credit Card. We wish you a happy incentive spending experience!

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9 reasons credit cards get declined

Many of the credit card holders experience an embarrassing moment with the declined credit card, especially in a shopping area, with all the products gathered in the cart. At times, the card gets declined during the emergency and thinking of an alternative payment mode is almost impossible. Understanding the reasons why credit cards get declined and avoiding them can help you avoid the humiliating experiences.

credit-card-declined

  • Exceed Limit

Usually, debit cards are declined when the fund in the account is insufficient and similar to that, a credit card is declined if the cardholder crosses the credit limit. Further, some bankers block the cards for default in the repayment.

To rule out this issue, keep an eye on your balance. If your expenses are 10%-30% below the limit, a good credit score can be maintained.

  • Data Error

The cards are rejected when the code is not entered properly. Further, expired cards may not fetch you the requested money.

When you experience card rejection more than once, slow down the pace and check if you have entered erroneous data. At times, multiple incorrect entries may also lead to rejection. Change of address too can also be a reason for the decline. Make sure to apply for renewal of the old card, before it gets expired. If there is any automatic payment, make sure to update them about the expiry date.

  • New Rules

The multiple credit card holders need to make prompt payments because a single missed payment on a card may reflect on another, especially if they are from the same issuer. Since the credit card companies constantly watch over the payment details, the possibility of reducing the credit limit due to the default in payment can happen.

To avoid it, make sure to maintain good credit history and regularly monitor your email, which may include details about the new rules.

  • Cancellation

Sometimes, the newly replaced card details or the account closed information is not passed on to one of the authorised user, in case of multiple user credit cards.

Check with the bank about the recent update of the credit card and inquire about the reason that affects the ability to use the card.

  • Unusual Activity

The credit card companies keep track of your expending pattern and if there is anything unusual, they may block the credit card to avoid fraudulent practices. Similarly, when your card has been used in an unusual location, rejection may happen.

  • Technology

If you use a card which does not have an embedded computer chip, it may not work on EMV technology, which is common in European countries. Therefore, if you are travelling offshore, contact your credit card issuer and learn if the card is valid in your travel destination.

  • Change in Shipping Address

An online purchase is declined, if there is a change in the shipping address so as to avoid fraudulent practices. Immediately call the hotline for instant help.

  • Wrong Card

Using a debit card or gift card or a prepaid card instead of the credit card may leave you embarrassed of rejection. Sometimes, if the merchant’s payment system does not support your card, you may face rejection.

  • Closed Account

In case of the bank account being closed for a reason, the credit card is rejected.