Claiming for Credit Card Errors自称信用卡失误

Tricky Insurance Pays Off刁钻保险不负有心人
by Scott Bilker由斯科特bilker

Scott Bilker is the author of the best-selling book "Credit Card and Debt Management."斯科特bilker是作者的畅销书"信用卡和债务管理" He is also the Editor and publisher of the FREE DebtSmart® E-mail Newsletter ( http://www.debtsmart.com ).他还编辑和出版自由debtsmart®电子邮件通讯(http://www.debtsmart.com). Sign up today!今天报名!

Scott,史葛
I found out after renewing a credit card that I had been paying for insurance that I wasn't aware of.我发现更新后,我一直有信用卡支付保险,我不知道. This insurance would pay benefits in case I died or became disabled.这将保险的好处,倘若我付出死亡或伤残. I had the card since 1997 and became disabled in 1998 (Parkinson's).我有残疾证,成为自1997年98(帕金森). I called a credit card rep and she advised me to put in a claim.我叫信用卡证劝我,她付出了索赔. She also stated if there were any other balances to transfer I could transfer them and clear them up also.她还表示,如果有其他余额可转让、转移清晰起来也. Could this be true?可这是真的吗?
--Alan--艾伦

Alan,艾伦,

Thanks for writing!写作感谢! I'm sorry to hear about your disability.我难过你的残疾.

It's very common that people pay for something on their credit card that they don't even know about.是很平常的,人们付出了自己的信用卡,他们甚至不知道. It's usually some type of insurance, as in your case, or a buyer's advantage program, or other membership package.它通常是某种类型的保险,如您这样,还是买方有利规划或者其它成员的方案. This happens because people are enticed to sign up for the "free trial" but then forget to cancel after the trial period.正因为这样,人们竟能签订了"试用",但当时忘了试用期后取消. This is probably what happened in your case.这可能发生在你的案件.

Despite having previously paid for insurance that you were unaware of, it's going to work out because you can actually put in a claim.虽然以前支付保险证明你不了解,它的工作,因为你可以去实际地付出了索赔. It sounds like they're willing to cancel all your debt with the claim.好像他们愿意取消所有债务与债权贵. I don't know the details of the insurance but that's what I'm getting from your question.我不知道详情,但保险业的是什么,我想通了你的问题.

The only thing I'm wondering about is that the credit card rep advised you to transfer your balance to the card and then put in a claim.唯一奇怪的是,我的信用卡请你把你放平衡卡,然后把债权. This doesn't make sense because the bank would be giving you money then expunging the debt.这不通是因为银行债务抹掉然后给你钱.

I guess it's possible that the rep was giving you an "insider tip" but I would still be cautious.我猜想这可能是说给你证"内幕蝶",但我仍然要小心. Either way, if their transfer rate is better than your other cards then it's certainly smart to transfer your balances to this card.不论如何,如果你传递速度比其它卡那肯定你聪明余额转移到本卡.

To be sure of the details you must get a copy of the original policy.可以肯定的详情,你要一份原来的政策. You many not have it so ask them to send you a copy.你没有这么多,要求他们送你一份. Read it carefully before you do anything.细读之前您做些什么. You don't want to be tricked into voiding the possibility of using the insurance to your maximum advantage.你不想被上当排尿可能利用你的最大优点保险.

I would do the transfer and put in a claim, as instructed by the rep.我不把债权转让,按证. If they forgive the debt--fantastic!如果他们原谅债务--神奇! If not, then keep the debt as long as the transfer with them is the best option you have.如果没有,那么只要把债务转移与他们是你最好的选择.

Good luck and please let me know what happens!好运让我知道发生什么事情,请!

Regards,问候
Scott斯科特

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