English Conversation- about Credit Card

English Conversation- about Credit Card

Customer entering the Bank of Delhi and inquiring about bank account credit card

Banker – Good morning Sir, can I help you?

Customer – Yes I would like to know what credit card you can issue.

Banker – sir, should I tell you about banking credit card. The Bank of Delhi,offers best business credit card .

Customer – But I need a credit card for personal use. I do not have any credit card history. I know about it, but I have some more queries regarding the various bank account credit card. can I apply for one credit card online also.

Banker – sir let me give you all the information about credit card

and then you can very well decide what credit card you want to go for ?

Customer – That would be great .

Banker- What is your age sir?

Customer – What is the minimum age for credit cards

Banker – It is 23 yr, for salaried or self employed person.

Customer, What are the documents required by,The Bank of Delhi for issue of credit card?

Banker – If it is for public limited Company ,mnc, Govt. Organization any one of pay slip ,salary certificate, income tax returns, form 16..

But for Proprietorship , partnership ,private limited company –

it is pay slip, income tax returns, form 16

Customer- What about self employed person?

Banker-If it is for for self employed – income tax returns and other bank Account documents specific club membership required for the card

Customer -----What are eligibility criteria for the various credit cards?

Banker -There are 5 types of Credit cards available -

1) For EMI Credit Card , a person has to have an income 240000 p.a

2) For Titanium Credit Card , a person has to have an income 480000 p.a

3) For platinum Credit Card a person has to have an income 480000 p.a

4) For Signature Credit Card a person has to have an income 1200000 p.a

our bank also offers credit card balance transfer free.

Customer---- What if I have any problem in getting my Monthly credit card statement?

Banker- Please call 24 hour customer care number of your city and you would get the problem resolved solution

Customer---- What is the credit period for paying the billed amount? Is it called a credit card zero percent.

Banker -For gold, silver,& blue credit card , maximum period available is 48 days after that card credit interest rate will be charged. But bank rewards the customers who pay the credit card bills in time.

Customer – If my cheque is dishonored, will I be charged any interest by credit card issuer for it? Do you offer credit card insurance also.

Banker ­­­­­­– Yes, A fee of Rs 250 will be charged by the bank for dishonor of your cheque

Customer What is the best way to pay the credit card bill?

Banker – You can pay the bills by cash, draft, cheque , or if you have the Bank of Delhi saving account you can transfer the Billed amount online or by calling customer care also .

Customer How much time it take to reflect the payment in the credit card account?

Banker – it takes 3 working days to reflect by cheque or draft and if cheque is non the bank of Delhi ,the it takes 5 working days.

credit card bill

Customer - What if my card is lost or damaged, what is the process to get a new one?

Banker – Sir, you need to call up the customer care centre to block the card, if lost or damaged and they would issue a new credit card in seven days.

Customer - Can I use my bank account credit cardfor the purchases on the internet?

Banker - Yes Sir, your bank account credit card can be used for all the expenses on the internet.

Customer – What do I do If my credit card application gets declined?

Banker – You do not have to worry, just call up the customer care centre

Customer- Tell me if I cross my credit card limit by chance?

bank account credit card

Banker – if you make a transaction that exceeds your credit limit, it is upto the bank credit cards transaction, and if approved they would charge for the amount exceeded the limit

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