Applying for a charge card in a conventional way usually involves submitting a couple of documents to the sales agent who collects them on behalf of the charge card company you are dealing with. Although there isn't much trouble in this format, there's a chance that confidential information regarding you such as for instance your salary slips, identification information, etc. goes into the hands of individuals you are not sure are trustworthy.
It could lead to leakage of information, such as for instance telephone numbers inviting a large number of marketing calls or in serious scenarios, even identity theft. That is one reason why the online card application process is significantly safer and smoother.
Online Process
The online process is very simple and involves submitting documents online. The charge card application is via an online form, which may be done by anyone applying for the acquirer card himself or herself. That is much safer as personal information isn't divulged. The online application process itself is quite 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 the card offices, telephone and electric bills, etc. more and more folks are resorting to online charge card payment of bills. Beginning with the card itself, while some people still choose to drop a check always for the monthly payment of the outstanding balance, more and more folks are resorting to online payment of the card bills.
Firstly, it's possible to keep a screenshot or printout of the payment if they're very cautious. Secondly, online payments are always better to track. Some individuals even connect the charge card balance using their checking account and the money is auto-debited from their accounts although this is not the preferred way.
Online card payments will also be useful for paying phone and electricity bills. Actually, many charge cards have utility features available to customers wherein they could 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 spend time commuting to and from the offices. Secondly, one doesn't need to be worried about them during office hours. Many of these charge cards allow recurring payments too for internet bills, prepaid phone bills, etc. The biggest advantage of paying these bills this way is to keep an eye on the expenses and do them all at the same time once a month. And also this earns many rewards from the charge card offers itself, that features cash back offers, reward points, airline miles, travel packages, etc.
All in all online payments when clubbed with the features of charge card itself make the lives of individuals much simpler. It adds a great credit history to those who find themselves regularly in bill payments and most importantly brings planning and order to a person's schedule as opposed to excessive wastage of time going around various offices once in a month.