Cold calling is frustrating, rude and completely unnecessary, yet strangely enough so many companies take part in it. This is particularly true with credit card companies as they try to sell you various associated deals. So are these deals worth it? Well in a word – no!

Why You Should Never Trust Associated Deals

When credit card companies ring you at home to talk to you about associated deals, they are not thinking of you, but of the ridiculously high rates that these deals will cost you. Whether they are offering travel insurance, deals relating to your credit card, or some other type of insurance, they are usually offering you a product which you could find a lot cheaper elsewhere. So why do they do it?

The reason credit card companies ring you at home and try to sell you these products is simple; they want to earn as much money as possible. Many people agree to such deals because they are either too polite to say no, or they really think they are being offered a good deal. The truth is though that they aren’t and by being a little firmer you can avoid such fees and if you really are interested in what was being offered, you can find it elsewhere.

Insurance deals are especially popular with credit card companies, but what they don’t tell you is that they often do not cover everything. Similar to the insurance that you get free with many credit cards, most insurance deals include only the most basic coverage which you could find at a much cheaper rate elsewhere. So if you are offered insurance deals make sure that you ask about exactly what is included and what isn’t included before you agree to anything.

Even if the credit card lender answers your questions and you are satisfied with the answer, when the forms get sent to you to sign, always ensure that you look at the terms and conditions. It is likely that the lender did not tell you everything and in that instance if you do not read the terms and conditions, you could be agreeing to something that you have no idea about.

Overall credit card associated deals are never usually worth taking on. So if you do get a call from your credit card lender, try to resist the urge to accept whatever it is that they are offering you. The chances are, if you search online you will find a much better deal elsewhere.