It’s not just about the cards, but also the packaging and the way you handle them.
That’s what the Irish Credit Card Association (ICCA) has been saying all year, as its annual credit card advice survey has been published online.
“The cards we receive from companies are in poor condition,” said IBRC’s marketing manager, Michelle O’Brien.
“Some are just plain dirty.
The packaging is poor.
They’re not really sealed in plastic.
They have a lot of holes in them, they’re not in the right place to be in your pocket.
The stickers and labels are all out of date.
There are many problems.”
The ICCA has been asking people to report problems with their cards since the first of the year.
The results, based on responses from 1,700 customers, are being used to improve the way customers are dealt with by credit card companies.
“You can’t blame a credit card issuer for the problems,” Ms O’Briens said.
“There’s no way to get away from these issues, no way.
There’s no excuse.
We have to deal with them.
It’s a serious matter and it has to be dealt with.”
A number of major credit card issuers have been taking part in the survey, including Visa, MasterCard, American Express, and Discover.
“We’re seeing the most significant issues in a number of companies,” Ms Kavanagh said.
The ICCAs survey also includes comments from consumers about their experiences with the cards and how they are being treated.
“I think the most important thing to remember is that if you are in the wrong situation, you’re going to be told how to fix it,” said Ms Kavinagh.
“That is a really important thing.
It is something we want to ensure the consumer knows.”
Ms Kavanaugh said she was particularly concerned about customers who are getting a “cancelled” or “dismissed” credit card.
“If it’s cancelled or you are dismissed, that means that your credit has been taken away, that you’ve lost your money, that’s not good,” she said.
She urged consumers to report issues to the consumer credit reporting agency (CRA), which has been providing a free online tool that lets customers report problems.
“It’s really important that people report issues so that we can get the information back to the card issuer so they can take action,” Ms Brien said.