Applying for a credit card in the standard way usually involves
submitting a set of documents to the sales agent who collects them on
behalf of the credit card company you are dealing with. Although, there
isn't much trouble in this format, there is a chance that confidential
information about you such as your salary slips, identification
information etc. goes into the hands of people you are not sure are
trustworthy.
virtual credit card in Bangladesh
It might lead to leakage of information, such as
phone numbers inviting thousands of marketing calls or in serious
scenarios, even identity theft. This is one reason why online card
application process is much safer and smoother.
Online Process
The
online process is very simple and involves submitting documents online.
The credit card application too is via an online form, which can be
done by the person applying for the card himself or herself. This is
much safer as personal information is not divulged. The online
application process itself is very transparent and customers can track
the status, another of its benefits.
Online Payments
With
the working hours of working people clashing with business hours of
these card offices, telephone and electric bills etc. more and more
people are resorting to online credit card payment of bills. Starting
from the card itself, while some people still prefer to drop a check for
the monthly payment of the outstanding balance, more and more people
are resorting to online payment of these card bills.
Firstly, one
can keep a screenshot or printout of the payment if they are very
cautious. Secondly, online payments are always easier to track. Some
people even connect the credit card balance with their checking account
and the money is auto-debited from their accounts although this is not
the preferred way.
Online card payments are also used for paying
phone and electricity bills. In fact, many credit cards have utility
features available to customers wherein they can connect to select
service providers and clear their phone, internet and electricity dues.
Advantages Of Online Payments
These
online payments have several advantages. Firstly, one doesn't need to
waste time commuting to and from the offices. Secondly, one doesn't need
to worry about them during office hours. Most of these credit cards
allow recurring payments too for internet bills, prepaid phone bills
etc. The biggest benefit of paying these bills this way is to keep track
of the expenses and do all of them at the same time once a month. This
also earns many rewards from the credit card offers itself, that
includes cash back offers, reward points, airline miles, travel packages
etc.
All in all online payments when clubbed with the advantages
of credit card itself make the lives of people much simpler. It adds a
good credit history to those who are regular in bill payments and more
importantly brings planning and order to a person's schedule instead of
excessive wastage of time going around various offices once in a month.
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