Using your wamu credit card.
Ok. Now this article will test the patience of those who have been using a credit card for ages now. But hey, there are many new users with the growing day and many of them must be pondering how to use their credit card. Now, let’s say you have got your all new wamu credit card.
You decide to go shopping, and purchase some things on credit using your card. Credit cards differ from debit ones in the sense that, credit cards enable purchases on credit, whilst the debit card is merely a plastic card, in the place of all those currency bills. Debit cards are just another instrument like a check, to use the money in your bank account.
Credit cards, differ in this sense. You can use a credit card, even without having sufficient balance. However, one needs to exercise foresight while using a credit card. Each person has a credit limit, which is generally calculated based on his cash inflow, and only up to this limit, can he draw credit on his card.
Now, here is how you use your credit card. Let us stick to the above example of wamu credit card. As I had mentioned in earlier in this article, first of all, before making the purchase, decide whether you can afford it, and are pretty certain how you will pay this expense when your credit card statement arrives.
Secondly, ensure your wamu credit card is signed at the back by you. Next, slide the card through the machine. Generally, these machines demand a P.I.N. number, press cancel and proceed to select ‘credit transaction’, press the yes key after this.
Generally, this is done by store cashiers and they are acquaint with the process, but , even if it requires your knowledge, now you know what to do.
Next step is the authentication, signing. If it is an electronic machine, sign with the digital pen in the box and press OK. If not, which will most likely be the case, make it a point to circle the amount in the receipt, and then , sign along the line requiring the signature.
Hand this back to cashier, who will provide you with a copy of the credit transaction slip. Sometimes, the cashier cross-verifies your signature, to see if it matches with the one behind the card. Give it to him if required. Finally, it is time to get your wamu credit card back. Do not forget to collect it from the cashier. There! You just completed a successful credit card purchase!
