Credit Card Articles
Enjoy Community With The Barclaycard Ring MasterCard
When you want a card that gives you access to a community, the Barclaycard Ring MasterCard is the card to apply for. With an online application, you can find out if you are accepted into the community quickly, giving you an array of benefits.
A Card For The Community
When you want to be part of the community, this is the card that you want. You join other cardholders to form the community. As a member of the community, you get to share in the ups and downs. When there are profits based on the financial performance of the community, you get to share in them. You can choose to keep the shares for yourself or give them to charity.
As a member of the community, you get to share your opinions and ideas. You can choose to vote when there are voting opportunities. The bank may give you and other cardholders the opportunity to vote on a particular benefit or feature. The feature with the most votes will be what is implemented to everyone.
There are many cards that simply give you a line of credit. Barclaycard is different in the fact that it involves you into the community and treats you like some companies treat their stockholders. This is the only community build credit card on the market and you can determine how popular it is based upon your insight and feedback.
Features Of The Card
There are some unique features to the card that you want to be aware of. Not only are you a member of the community but you also get all of the terms laid out to you in simple terms. This way you can understand everything that's going on without getting the feeling that the bank is hiding something from you. Some other features of the card include:
- Profit and loss statements
- Voting privileges
- Low APR
You will receive profit and loss statements each and every month. This gives you the opportunity to see the financial performance of the community. You will always have access to this information because this is how this particular bank operates. The more information you have access to, the more you can determine how to make things better – and potentially affect the profits for the next month.
Voting privileges occur throughout the year. The bank values your opinions and the opinions of the other cardholders. If you've ever wanted to share your ideas and get a say on the features of a credit card, this is your opportunity. The voting occurs online and allows you to get your opinion out there. The item with the most votes is the item that gets placed onto the card.
Low APRs are another feature of the card, helping you to save money all year long. With a low APR on balance transfers, you may decide to save money on your other cards. You can transfer the balance of your higher APR cards to this one. You then pay them off on the lower APR. There is also a low APR on purchases. If you choose not to pay your statement balance in full each month, you can pay smaller amounts and not go broke with interest fees. The lower APR will make spending on credit more affordable for you throughout the year.
Basic Account Features
There are also some basic account features that you get to take advantage of. As a MasterCard cardholder, you get the ability to shop at millions of merchants around the globe. Whether your purchase is to be made online, over the phone or in person, it will go through. Should you need a cash advance, you can do so at millions of ATM machines nationwide.
Some of the other features that you can take advantage of include:
- Fraud protection
- Online account management
- Customer service
Fraud protection is provided with each and every account. Your account is always monitored to protect you against fraudulent activity. Should your account ever be compromised, you can have your card replaced. Any fraudulent charges are not your responsibility. MasterCard has a $0 fraud liability protection that basically means you are not liable for even a dollar of a fraudulent charge.
Online account management is provided for your convenience. You have access to your account 24 hours a day, 365 days a year to find out what your balance is and how much you have available to charge on your card. You can manage all of your finances online. It's possible to download monthly statements, schedule your payments in advance and have your payments auto-debited from your account so you never have to write a check ever again. If it's easier for you, you can also contact customer service with non-urgent inquiries and they will get back to you within 48 hours.
Customer service is always available. There is an automated phone message that tells you your basic account details. With the use of a toll free number found on the back of your card, you can access this phone message as well as talk to a live representative. Whether it's a question about a charge, a feature on the card or even to ask for a credit line increase, there is always a representative who will answer your question so you don't have to wait for the answer. Representatives are available all the time and are at no cost to you.
You can choose to apply for a different card. When you want to be part of the process, it only makes sense to apply for a community-built credit card. This Barclaycard Ring MasterCard gives you voting privileges and access to statements to see progress before your eyes.
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