Let's look at look at the fact that ever happened to our clients who have died or dies, the following are the facts:
1. Credit card bills keep comingAlthough it has been reported with documents deemed complete by the customer service or customer service that the cardholder has died and the deceased have to pay a premium to protect it from the bill which is still running to the fact remains that the bills continue to arrive even still charged up to more than 3 months;
2. Debt collector continues to disruptAssociated with cardholders who have died, logically unpaid bills and life insurance should serve to pay the rest of the arrears, but in reality the debt collectors continue to call even went to the heirs and asked to immediately pay off the debts of the deceased (who has been in the insurance protectionism)
Based on the search conducted by the heirs of the family then it turns out:
1. Almost all credit card issuing bank has a separate card center with the billing department or collection department, so that the entire report of the family of the deceased is not accepted or (ignored?) By the billing, collection department Ironically there is a completely separate alias out sourcing, so the monitor screen even though they know the status of the card holder has died and protected by insurance but they continue to charge, even they send status card holders into the black list. This can be seen in the report on Bank Indonesia or known as BI check list, hmm ..
2. The publisher's policy in terms of a life insurance company had not yet processed completely insured money because of the displacement of partner companies with the credit card issuer.3. Although there is no displacement partnerships with credit card issuers, but the fact that there are still relatives of the deceased have to report and inquire process claims which have been reported in the card center, the family of the deceased still have to visit a life insurance company. So the relationship between publishers and insurance companies in terms of the claims process is not very efficient, it is different at the time agreed.Readers, it turns out to claim the credit card insurance facilities are not as easy to open, when opening or approving sufficiently over the phone, but at the time a claim can take up to three (3) months or more, a visit to the credit card companies and insurance must be carried out, debt collector must be faced.
Our data are only 2 companies that process credit card issuer with a professional and relatively quickly that a foreign bank that readers never know a credit card customers died in the bank and a bank with 3 letter initials formerly owned by Indonesian conglomerate but has now owned by foreigners, the rest (local and foreign private banks) based on the experience of our clients all of the standard process is still very slow and not very professional.However there is one thing that should be appreciated is the officer of a government bank although the process is still not as good as the two banks above but officials are very cooperative and act with courtesy, the government hopes banks can hopefully be better again.Based on the explanation above, we suggest that life insurance should be purchased separately, calculate all the credit limit that you have in your credit card, you add to the total sum of the credit limit and buy traditional insurance for this type of insurance has a low premium and high insurance money and of course the claim process easier and faster because it directly not through the credit card issuer. So hopefully useful
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