How do you rate Prepaid Cards Customer Service?

Prepaid debit cards have become popular with the public in the last 5 years as banks have pushed them heavily as a form of payment. This is because since the great recession, banks have lost their ability to make easy money on things like exorbitant credit card fees and the likes. But we will look at the customer support these cards provide.

Another area that they used to make easy money – the checking account has been severely restricted, taking away more the crazy overdraft and account charge that were prevalent. Since credit cards and checking accounts used to be great sources of income and fees for banks, they must now look for new sources of making money. The prepaid card market offers them that opportunity.

Prepaid cards are issued by banks under the Visa, MasterCard, Discover and American Express networks.There are two types of these debit cards that are offered. There is the non-reloadable and the reloadable. The non reloadable debit card can be loaded with money one time and once you deplete the funds, you cannot add more money to it. The card becomes worthless.

With the reloadable, as the name itself suggests, you are able to add more money to it once the initial amount you put on it becomes depleted. You can pretty much can continue to reload it until the expiration date that is indicated on the card. That makes it a good alternative to carrying cash.

When it comes to prepaid card customer service issues, it totally depends on the card you have. Mostly, these cards are known to have the worst customer service, as compared to say regular credit cards. There are several reasons for that. First, regular credit cards are more regulated, so the banks cannot get away with cheating customers or ignoring legitimate issues or they risk a class action lawsuit, which have been known to mostly go in favor of the customers. As a result of this potential threat, the banks are more likely to pay more attention to their charge customers.

That is not the case when it comes to prepaids. These are mostly being targeted at the unbanked, senior citizens and low income customers. The customer service support on these prepaids tends to be very low and hard to get hold of. To get a live customer service agent to help you can be a nightmare. Therefore before you buy one of these, make sure that you’ve done your homework to be certain that the support you need when you have questions will be there for you. Otherwise, it’s going to be a nightmare when you have questions that need immediate answer or help. For example these are some of the question you may have that require an urgent response from a live person:

  • How to check your balance
  • How to find ATMs
  • How to use the card to get cash back
  • Whether you can use it to get cash back
  • Fees and Charges you may incur abroad
  • Whether there are any monthly service fees and charges
  • Whether there are any dormancy fees if you don’t use it for a period of time.

These are all important to know customer support issues to know.

Medigap Customer Service Phone Number

If you are looking for the customer service phone number for Medigap, you will have to narrow your focus to a specific state. This is because Medicap policies are issued by state, and they are mainly provided by private insurance companies that operate within state guidelines to service people who have original medicare insurance policies (Part A and Part B). Rather than getting Medicare Advantage, some people opt to get Supplemental Insurance through the private companies to help cover certain out of pocket costs like copay, deductibles and co-insurance.

If you go through medicare customer service, they will direct you back to the state specific insurance company you got your policy from. Unless you want to file a complaint about your policy with an insurance commissioner. If that is your primary goal then you will have to contact your state’s insurance commissioner to help you address the problem you are having with the private company. Medigap insurance plans and benefits are regulated both at the federal and state level. While the federal government sets the overall broader policy objectives and goals, the states are the ones that implement the policy at the local level. Therefore state policies may impact the kind of plans that can be sold in your state.

If you contact customer service for the company and they are not able to help you, then your best bet is the insurance regulator with your state or the Attorney General department who can aggregate complaints against the company and take action.

 

Benefits of Video Conference to Small Businesses

Small businesses often think that video conference technology and services are only affordable by enterprise or large corporations. As a result, may small business do not even spend the time to investigate video conferencing options. This is a mistake. With advancement in technology, especially broadband capacity and the introduction of streaming technology and online video capturing and recording tools, conduction video conferences has become very easy and more importantly, it is actually affordable. And if you want to go beyond free tools like Skype and Google handouts, which may not always give you the best quality video and control over your call, there are affordable video conference solutions out there that small businesses can take advantage of.

Specifically, there are now cloud based video conferencing services that are not only affordable but are very easy to set-up and manage. All you need is a video enabled computer that is connected to the internet and you are pretty much ready to sign up for a service and start video calling. But there are also several advantages your business can gain from investing in a video conferencing service. The first one is that if you are a business with multiple locations, this allows you to be able to bring your teams together to collaborate on an important project – without the need to travel. This will save you a lot of money, especially if you have lots of employees at each location or have multiple teams that are working on the same project or fixing the same problem.

Another great benefit of video conferencing for small businesses is that it allows you to provide great customer service to your clients. This is particularly useful when you have to do product support that require special instructions to the customer. With video calls, you can have your technical team connected with the customer and help the customer trouble shoot the problem and also implement your fix.

Phone Call Tracking

When you talk about phone call tracking these days, everyone immediately thinks about the US Government and the NSA and all the mass tracking of telephone calls both in the united states and across the world. While Edward Snowden has made the topic of call tracking very visible in the American media and around the world, there are other call monitoring that take place that people are not necessarily aware of. This is done in marketing and is called Call Tracking Metrics and with Software.

The most companies run advertising in various mediums, like Television, Radio, Print, Yellow Pages and Online (both display, PPC and Retargeting). When the ad involves customers calling a phone number, it is very hard to track which ad is generating the most phone calls to the business. Companies finding themselves in this predicament can use Call Tracking Software to be able to tell which specific phone number the customer is calling. This is done by adding a unique phone number to each ad, so that when each call comes in, the business is able to tell exactly which ad the customer saw and is calling from. You can use Call Tracking on Phone leads and PPC campaigns.

The business is able to track call length, call number, call location and in some cases they are able to record the call so they can learn about the program and better improve the overall results. But unlike what the government is doing, this is purely done to monitor marketing spending and spend more on what is proven and stop doing what is proven to not be working. So, the next time you see an ad from a company and they have multiple phone numbers – one number tracking each type of ad, chances are they are using a software program in the background to be able to tell how their entire campaign is doing.

Baby Afrique Customer Service Phone Number

Baby Afrique is the first and Ghana Baby Store where you can buy products like Baby food, diapers and wipes, strollers, car seats of various kinds, activity play toys, pack and play, walkers and more. All their products are imported from the United States of America.

They have a website where you can checkout all their products. To visit their website, go to www.babyafrique.com and browse their inventory, which is divided into categories. Here are some of the categories of products they carry. On diapers, they carry Babies R Us and pampers swaddlers. They also carry Babies R Us and pampers wipes, both sensitive, scented and non-scented types.

When it comes to car seats, they have them in three different groups – infant car seat, convertible and booster seats from leading American brands like Graco, Britax, Evenflo, Safety 1st and more.In the feeding category, they have infant formula from Gerber and baby food from Earth’s Best and Gerber. There are also jar foods in various stages, like stage 1, stage 2 and stage 3 foods.

One of the unique things about their service is that you can order online and have it delivered to your office – on a cash on delivery basis if your office is within a certain radius in Accra.

Get Live Customer Service Person for Equifax

According to Federal Law, each adult in the United States is entitled to a free credit report from each of the three major credit reporting agencies – Equifax, Transunion and Experian. However, trying to find information on how to talk to a live customer service person at one of the credit agencies can be quite a hassle. We are here to help. If you want your free credit report and want to speak to a human, here is the information you need:

The Live Customer Support information for the three major national credit bureaus are:

As you can see, we have also included information about their fraud hotline, just incase you need to clear up information on your report or you are a victim of either identity theft or misreported information. Note that the free annual credit report does not come with the credit score, so if you need your score in addition to the credit report, then you need to pay extra for that.

Also, if you want to reach a Equifax Customer Service and Live Person, call the toll free number provided above and follow the auto attendant. You will probably be asked personal identifier questions to establish that you are who you say you are. This includes your name, social security number, address, and some information on your credit report that only you will know. Once you have been properly identified, you will then be able to request a copy of your free credit report mailed to you.

Even if you do not think your credit report has any issues or you have no need for the credit report at the moment, you should take advantage of the free annual credit report because it is something you are entitled to under federal law. Also, it helps you have another look at your report from all three agencies, making sure everything that is being reported is correct. And if there are any issues or misreporting, it is better to address it now than to find out when you are in the market for a big purchase that requires your credit report – like an auto loan, student loan or even a mortgage. That is not the time to be worrying about mistakes on your report or trying to clean up your credit report.