首页
外语
计算机
考研
公务员
职业资格
财经
工程
司法
医学
专升本
自考
实用职业技能
登录
公务员
Credit card rewards programs have traditionally featured airline miles,gift certificates,and cash back for customers who spend e
Credit card rewards programs have traditionally featured airline miles,gift certificates,and cash back for customers who spend e
admin
2019-12-28
40
问题
Credit card rewards programs have traditionally featured airline miles,gift certificates,and cash back for customers who spend enough on their cards.But recently,credit card companies have started offering a different kind of gift:they are handling out lower interest rates,refunding interest payments,and using other strategies to provide incentives for cardholders to pay down their debt and make on-time payments.The deals,however,don’t always work in consumers’favor.
The new Citi Forward Card gives cardholders points and reduces their annual interest rate for making on-time payments and for staying under their credit limit.TD Bank’s Simply Flexible Card charges interest rates depending on how much of balance customers pay off.If they pay off 10% or more of their balance,then they get the lowest available interest rate.
Card companies say the idea behind the new rewards is to help customers get on top of their fiance。n“It’s all about promoting financial fitness and giving customers the choices they need to help them manage their debt”,says Michael Copley,senior vice president of TD Bank.He says the Simpie Flexible Card motivates cardholders to pay off more of their debt and attributes the company’s relatively low delinquency rate(违约率)to the product.
Because of the continuing recession,companies have an incentive to keep their customers from
sliding further under water.“This is in response to recognition that they have to help their cardholders do a better job of managing their morley so customers keep those cards for a long time,”says Ron Shevlin,senior analyst at a research and advisory firm.The challenge for companies,he says,is to balance the profitability of consumers who maintain a balance against the increased risk that those cardholders pose because they are more likely to default on their debt.
According to consumer advocates and credit card experts,consumers who always carry a balanee may be better off selecting a card with the lowest interest rate rather than participating inone of these rewards programs.“In general.I think these cards are great for people who don’t have great credit and regularly carry a balance on their cards”says Adam Jusko,founder of www.indeXCreditcards.com.“Customers who only occasionally carry a balance,on the other hand,would be better off finding a card with a more appealing rewards program”he adds.
请回答下列问题。
The recent credit card rewards programs include______________.
选项
A、low interest rates and interest payment refunds
B、gift certificates
C、cash back
D、air miles
答案
A
解析
细节题。根据第一段“But recently,credit card companies have started offering a different kind of gift:they are handling out lower interest.rates,refunding interest payment,…”可知A项正确。其他三项都是传统活动,并非新近推出的。
转载请注明原文地址:https://kaotiyun.com/show/D2jY777K
本试题收录于:
银保监财会类题库国家公务员分类
0
银保监财会类
国家公务员
相关试题推荐
“无为”并非消极的无所作为,而是切莫做有悖于“道”的事,切莫“逆乎自然”,这与重农学派强调人的作为要符合“自然秩序”的思想是一致的。下列说法有误的一项是:
随着时代的变迁,尤其是生产方式的变化,民俗内容也会________地发生变化,一些留下来,一些则退出历史舞台。“文化就是这样增增减减。”但这并不应成为我们坐视民俗文化________的理由。填入画横线部分最恰当的一项是:
大气层又称大气圈,是因重力关系而围绕着地球的一层混合气体,是地球最外部的气体圈层,包围着海洋和陆地,分为对流层、平流层等。下列有关大气层的说法错误的是:
《中共中央关于加强党的政治建设的意见》就加强党的政治建设作出了多项部署。关于其部署,下列说法错误的是:
蔬菜味道不好,嚼起来又费劲,加入甜甜的水果可改善口感,所以很多年轻人更喜欢喝果蔬汁,他们认为这样能够美味健康两不误。下列选项如果为真,最能削弱上述年轻人观点的是:
在出租校舍的“灰色地带”事实之下,大学暑期出租校舍赚钱,打的就是法律无规定的“擦边球”,滋生出来的一系列负面问题不容小觑。公司企业租借教室、宿舍,直接影响暑假未离校的学生的正常生活和休息,这在全国各大高校学生中已有普遍反映;外人出入频繁,增加保安工作量,产
2019年1月29日,“亚投行”在北京发布首份融资报告——《2019亚洲基础设施融资报告》。该报告不包括哪个领域的基准?
酝酿效应:在日常工作生活中,我们有时遇到难题后百思不得其解。这时如果把它暂时放到一边,先去干别的工作或者先去休息、娱乐,过一段时间很可能突然找到了灵感,先前的难题轻而易举就找到了答案。这种效应在心理学上被称为“酝酿效应”。根据上述定义,下列选项不能体现酝酿
下列有关前沿科技的应用及评价,表述不正确的是:
最近一项问卷调查报告表明,在3500份问卷调查表中,有83%的老年人非常喜欢看“跑男”这个娱乐节目。由此调查小组得出结论:老年人对“跑男”这个节目不感兴趣的说法是不正确的。以下哪项如果为真,最能削弱上述结论?
随机试题
骨折的治疗原则是
有关器官移植的叙述中错误的是
女,12岁,短暂性意识障碍,突然发呆,失神,言语中断,停止一切行动,持物落地,但无跌倒。每次发作20多秒钟后即恢复,反复发作5年。体检无异常发现,做脑电图检查诊断为癫痫,最宜选用的药物是
由于起效快,无蓄积作用,醒后无明显的宿醉现象,但对胃肠黏膜的刺激性偏大,老年人可选用的催眠药是
关于糖尿病的药物治疗A、二甲双胍B、HMG-CoA抑制药(他汀类)C、胰岛素D、格列喹酮E、合并应用血管紧张素转换酶抑制药对糖尿病合并高血压者可首选
下列对膨胀土地区路堤施工与路堑施工的技术要求叙述中,正确的有()。
关于工程文件管理的说法,正确的是()。
在经济全球化的进程中,企业的总部和生产基地以及该企业的其他职能部门分布在不同的城市,这表明城市发生了()的变化。
金融监管的公共利益理论认为,金融监管的出发点是()。
Inamomentofpersonalcrisis,howmuchhelpcanyouexpectfromaNewYorktaxidriver?Ibeganstudyingthisquestionandfou
最新回复
(
0
)