Customer Story

When it is 8.30 in the morning and the phone in your apartment rings, there is only one word: telemarketer. Or sometimes these people cannot even wait till 8.30 and awake you rudely earlier. This article is about those telemarketers from the First National Information Network who call your home or work, wasting your time on pulling out of you financial information to research the investment market.

What they say. They introduce themselves saying they are with the First National Information Network and if you are home they start asking you questions right away. If they call your work phone, they know a lot of methods how to get rid of your gatekeeper. They can say this is personal, that they are your friends or relatives. Or to assure your secretary to give them a green light they can say that this is very important information of financial nature. That is how they break through.

How they start wasting your time. All these people went through different psychological trainings, so they know how to make you answer their questions: ability to persuade, nice ladies, pleasant voices. Then the telemarketers ask whether you would like to invest some day. If you are interested and you think, that they will tell you at least some information about the investment program, you are mistaken. They just resourcefully try to worm out the information out of you to create a database for the further round of annoying and useless calls. They ask if you own your business, for how long, about your accounts, on-line accounts, or would you be interested in receiving info on other companies that may be able to “save” your money, about your IRA and your annual income – which is the most important thing they want to know, that is why they leave it till the closing of the conversation, when you get distracted and relaxed. So, be aware!

In today`s fast-moving world, people have less and less time to spend eating and cooking. It is probably for this reason that junk food has become so popular, and there is no doubt that it`s here to stay. In fact, it seems that you simply cannot get away from it.

What exactly is junk food? Basically, it is anything that is high in calories but lacking in nutrition. Hamburgers, crisps, chocolate bars and hot dogs fall into this category. Pizzas are also included as they contain a lot of fat. Obviously, a diet of junk food is not the best thing for your health, particularly as it is high in saturated fat. The best advice, then, for those who cannot live without their hamburgers or chocolate bars, is to limit the amount of junk food they eat. A little now and then will probably do no harm. But why have our eating habits changed? People think that it happened because of lack of time and loss of tradition.

The way to gain weight? Another alarming thing about people`s lifestyles today is that while the amount of junk food we eat has increased, the amount of exercise we do has actually decreased. Recent research has shown that young French people, who prefer burgers and chips to rich gourmet dishes, tend to become overweight. Weight gained in adolescence is extremely hard to lose in later life, so researchers are predicting that new French generation are not going to be admired for their slim figures as the French have traditionally been. People nowadays are far more aware of the importance of exercise and a healthy life than they were a few years ago, but the new unhealthy way of life is surprisingly popular. Not all junk food is bad for your health, however. If you cannot live without hamburgers, you are at least to find out what goes into the food before you decide to eat it. What is more, you don`t have to exercise much to gain visible benefits. Doctors say that twenty minutes exercise three times a week is all that is necessary.

Number of existing Credit Cards is countless. Even Many popular Credit Cards have to offer many benefits for promotions and sales. Chase MasterCard offers many benefits and features to customers which include 0% APR. It means you will have no annual fees on application. There are many reviews on this card on many different review sites and customer story blogs. You should keep in mind that Chase Master Card is not the only card who is offering this but customer reviews make this card unique. Moreover these fees and other charges depend upon your credit rating and current account history. What are other benefits which will be offered to you? There are many which include, Cash Withdraws with low transactions fee, Low balance transfer charges, and extra added security features. Let’s have a look on these.

Benefits
Although there are certain limitation and policies are applicable but an ordinary person with good credit rating will get these benefits.

• Emergency Cash and Card Replacement
• Lost/Stolen Card Reporting
• Auto Rental Collision Damage Waiver
• Travel Accident Insurance
• Warranty Manager
• Baggage Delay
• Purchase Security

Fees and Promotions
There are several different rates and fees applied to your Credit Card which depend on Elite and Prime Pricing. I have read many reviews which always confused me with Elite, Prime, and introductory pricing. I think it will be better to explain this before talking any of fee or promotion.
Introductory, prime, and elite pricing subjected to your credit rating and bank account status. It also depends upon other Credit Cards which you own. If you are defaulter of any Credit Card then you will be charges higher prices on the other hand if you have smooth transactions or dealings with other Credit Cards then you will be entertained with introductory pricing. It means your APR for purchases and balance transfers will be based on our review of your application and credit history.

They will first consider you for the pricing above with the lowest rates. They reserve the right, based upon our review of your credit history and information furnished by you, to open an account with alternative pricing as stated above, or not to open an account at all.

Annual Percentage Rate (APR) for purchases
A 0% fixed APR for the first 6 billing cycles following the opening of your account with introductory pricing will be offered to you. After that, 14.24% variable for Elite Pricing, or 18.24% variable for Premium Pricing will be charged.

Balance Transfer APR
A 0% fixed APR for the first 6 billing cycles following the opening of your account with introductory pricing. After that, 14.24% variable for Elite Pricing, or 18.24% variable for Premium Pricing will be charged.

Transaction fee for balance transfers
3% of the amount of each transaction, but not less than $5.00 nor more than $75.00 will be charged.

Transaction fees for cash advances
3% of the amount of the transaction, but not less than $10.00 will be charged.

Good and high-grade customer service is nowadays a hot button issue and the lifeblood of any business and forming a good relationship with clients can really pay off. And besides, customers usually have a vast range of shops, banks or some other institutions to choose that is why influencing our opinion is so highly important. So why do they often fail to please us, the customers, either with their efficiency or their attitude?

How bad client service happens to good companies. This point is amazing. People are much more likely to use the company service again if they are treated in a polite and helpful manner, and consequently, the business will profit. And most companies spend a good amount of money on its call center personnel, client service workers. The staff undergoes intense customer service training for the clients to receive very comprehensive advice and support throughout and to get a good deal. And still, pretty often they behave like they are doing us a favor selling their products and services. Sometimes they just neglect our customers’ rights and forget about the main objective of the business – to attract the customers. They forget about the ever working eternal rule - a few bad apples can ruin it for all.

What to do to be a happy customer. So, what should be done to change the way the public are cared for? Shopkeepers, bank tellers and government workers have to deal with members of the public but often fail to satisfy our needs and requirements. But sometimes we should not entirely blame service providers, because we ourselves, actually, in the majority of cases, are equally rude and abuse the concept of the Golden Rule “Customer is Always Right”. Hence, for feeling ourselves happy, totally pleased customers and consumers we also have to contribute in this play of a mutually successful process of economic relationships, to collaborate with client service worker and managers for them to make us happy customers.