Hidden Credit Card Perks
Some people may be well aware of all the perks their credit card offers; others might think they have a decent interest rate and a little bit of reward coming to them and that’s it. However, credit cards often offer more than just convenience with a little reward. Here’s a few things to know about often hidden perks:
Roadside Assistance
Car break down? Got a flat? Stuck in the middle of nowhere? Call your credit card’s customer service line and they’ll send a tow-truck out to help. Even if you’re locked out of your car, they can get someone there to help you. Often, this perk will save you some money on the service itself, as much as $50 to $100, simply for using the credit card company’s referral service. This is not true of all cards though. Sometimes, you might simply end up with a referral and no savings. Still, it’s a good perk to have when you’re stuck out on the road and need a little help.
Price Protection
Buy something for full retail price only to find a great deal of savings on the same item within 60 days of the initial purchase? No problem. The credit card company will refund the difference. Credit card companies do set a limit on this, but it is typically reasonable, about $250. Of course, there is a yearly limit, but you are not going to frequently be buying things and finding huge savings after. There are some excluded items and excluded sales and you will need to be willing and able to produce both the original receipt and a printed (non-internet) sales ad that shows the difference in price.
Get Cash Without an ATM
No ATM? No time to find one? Just don’t want the fees? Some credit cards will work like a debit card, allowing you to ask for so much cash back, depending on both your credit card and the store’s limits. It is not a cash advance, so you avoid the fees for that, but are still subject to the APR, as it is considered a purchase. It is a great and convenient perk, however, only available with certain cards and at certain merchants.
There are tons of other excellent credit card perks, both hidden and well-known. These are some of the best little known perks. Hope they give you some added leverage and insight into just what your credit card can do for you.
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