Have you been wondering who called you and the strange, open sky credit card phone number appeared on your cell phone screen? Has this ever happened to you before? If it has you probably are wondering how it happened and if you should call back. Maybe you also are thinking if it is a legitimate company or just a bogus company trying to get your personal information. Here are some tips on how to handle the open sky credit card phone number to call.
The first thing that you need to do is to confirm if your sky is open or closed. This is important because sometimes a credit card company will send you a notification email saying that your sky is closed or not. This should not be happening because once you apply for an account with them they will give you a notice of account opening. The same applies if it is an ATM card. You can check the website to know if the bank is open or closed.
Secondly you need to check the phone number itself. If you see any unfamiliar number, make sure you write it down immediately. Also, look for another way to verify the number such as through internet phone directories. Usually there is a small fee, but you get the guarantee that the number is indeed legit and you can use it any time.
Next you have to check the identity of the person calling you. Sometimes a phone call can lead to identity theft and you want to protect yourself from this. This can be done by asking for verification. In fact many companies will ask for your SSN or Social Security number and then you are verified if you really have their company or not.
If the calls seem to come every day, then it could be a problem. In this case you may want to ask your local bank. Many banks offer toll free numbers that anyone can call to make an inquiry. So make sure you ask your banks and ask how they handle inquiries. You want to make sure that they are prompt in returning your calls and that their process is one of convenience rather than inconvenience.
Now that you have found the number, you need to check to see if the card has actual credit. If so, this is good. It means that the Open Sky credit card is actually the card you were looking for. Next you want to look at any charges on this card. Make sure you note everything including balance transfer fees and grace periods.
The next thing you want to do is get on the internet and do a search. There are websites that allow you to compare different credit cards online. This makes it easy for you to decide on which one will fit your needs the best. Another option you have is to call a toll-free credit card customer service line. While the phone conversation will cost you a little bit of money, it is probably worth it.
When you have all your information together, it is time to call the number on the application. You should be prepared for the staff to ask you for your social security number as well as for you to verify some basic personal information. Once you have done so, you will be asked to sign a release form. By doing so, you are giving the credit card company permission to check your application and begin processing it.
You will then be sent an electronic credit card statement. This statement will show any charge that has been made on your account. You will want to look carefully at this because many credit card companies will apply fees to your account each month. In fact, if you do not pay off an outstanding balance in full each month, your credit card company may actually raise your interest rate! This can mean the difference between being able to enjoy a skyrocketing price on your purchases or not.
After you have carefully reviewed the information provided by the credit card company, it is important to review the fine print. Many people make the mistake of only reading the terms and conditions attached to their credit cards. This can leave them surprised and even more confused when it comes time to pay off the balance or make a payment on it.
It is important to be fully aware of the charges you will face. Although you may have read that you can get an open sky credit card for free, there are in actuality fees and charges that will end up costing you more than the free card would have. As well, keep in mind that you cannot go over your limit with a free credit card, so it is a good idea to pay off as much of your credit card balance as possible before you get an open sky credit card. Your goal is to pay off the card as quickly as possible, and anything that helps you achieve this quicker is most definitely worth it.