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Feeling a bit dissatisfied with your current reward credit card? Are there some characteristics or qualities that you’re hoping for but your reward credit card company is unable to provide? When is it really time to consider changing reward credit card companies?

The following are the four key methods one can employ in order to determine the extent of need to change reward credit card companies in hopes of something better.

How Is The Service?

What happens if you have questions to ask regarding the rewards of your credit card? How long does it take for the credit card company to deliver the rewards you won to your home? And what about the other aspects beside the reward system of your credit card – is the service still admirable? What if your credit card got stolen? Or what if you want to add an extension to your credit card? How fast is the service? How reliable is it?

How Will You Rate The Reward System?

Basically, when one refers to the reward system of a credit card, we're talking about two things. First, how much do you need to spend in order to earn one point? Is the exchange rate used in the reward system of your credit card fair to all? And even if it’s fair, is it the best there is in the credit card industry? And let’s just say you only need to use your credit card for a dollar to earn a point. How much is the equivalent point value of a particular reward? You have to make sure that even though a reward point is equal to a dollar, the point value of rewards should also be fair. A pair of binoculars shouldn’t, for example, require you to earn as much as ten thousand dollars.

How Are The Rewards Itself?

Are the rewards what you're looking for? If the selection of rewards being offered quite limited, it may again time to start thinking about looking for a new credit card company to deal with.

How Much Are The Interest Rates?

Remember, the interest rate of reward credit cards is naturally higher than non-reward credit cards so you should only compare the rates with those of other reward credit cards. And when you do compare, make sure that yours is lower, not higher.

Besides these, you could also consider other factors such as the coverage of your reward credit card company in terms of the number of stores that accept payment using their credit services.