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
29
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。
A cardholder of Simply Flexible Card will get the lowest interest rate if he____________.
选项
A、makes six successive on-time payments
B、pays off 15%of his balance
C、pays off the balance on time and stays under credit limit
D、pays off 5%of his balance
答案
B
解析
细节题。根据题干关键词“Simple Flexible Card;the lowest interest rate”定位到文章第二段最后一句“If they pay off 10%or more of their balance,then they get the lowest available interest rate.”故本题选B。
转载请注明原文地址:https://kaotiyun.com/show/J2jY777K
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
随着我国文化产业规模的扩大,文化产品开发的深入程度与精致程度的要求也大大增强。其中一个突出的问题就是“没米下锅”:许多生产商握有足够的资金,却找不到合适的艺术作品进行商业开发。我国当前电视台推出的连续剧、动画片虽然不少,但以庸俗的、低层次重复的作品居多——
2016年,我国邮政行业业务总量完成7397.2亿元,同比增长45.7%。全年邮政行业业务收入(不包括邮政储蓄银行直接营业收入)完成5379.2亿元,同比增长33.2%。快递业务实现快速增长,全年快递服务企业业务量完成312.8亿件,同比增长51
为了解消费者对家电使用的满意度情况,某家电零售企业民意中心选取了20个销售网点的2000位居民进行调查。调查显示,受访消费者中23.4%表示“满意”,40.2%表示“基本满意”。其具体调查结果见下表。各类家电产品中,表示“不清楚”的受访消费者数占本类
手机等电子产品正对大学生的阅读产生恶劣的影响。书籍需要潜心钻研,而手机等电子产品由于使用便利、资讯内容丰富容易使人分心,从而无法潜心阅读。无法想象,当一个人打开手机,被网上令人眼花缭乱的资讯或丰富多彩的游戏吸引时,还能静下心来孜孜不倦研读柏拉图的鸿篇巨制,
从所给的四个选项中,选择最合适的一个填入问号处,使之呈现一定的规律性。
从众行为是个体在群体的压力下改变个人意见而与多数人取得一致认识的行为倾向,是社会生活中普遍存在的一种社会心理和行为现象。试验表明,在团体中被试验者往往屈从于多数人的判断,做出和其他人一致的回答,是为了被多数人所接受。当被试验者单独回答问题时,很少看到被试验
根据我国法律规定,下列表述正确的是:
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?
Imagineyouwenttoarestaurantwithadate;hadaburger,paidwithacreditcard,andleft.Thenexttimeyougothere,thewaiter
Imagineyouwenttoarestaurantwithyourgirlfriend,hadaburger,paidwithacreditcard,andleft.Thenexttimeyougothere,t
随机试题
A.微循环前阻力血管收缩B.微循环前阻力血管扩张C.微循环后阻力血管扩张D.外周阻力增高E.外周阻力降低低动力休克
组成药物中含有半夏,麦冬的方剂有
细菌碳源利用试验是
A.经济基础B.社会生活实践C.社会舆论、传统习俗和内心信念D.善恶E.行为规范、公约和守则道德的评价形式是
A.对G+菌、G-球菌和螺旋体有抗菌作用B.对G+菌及G-菌,特别对G-杆菌有效C.特别对立克次体有效D.抗菌作用强,对各种厌氧菌有效E.对耐药金黄色葡萄球菌有效氨苄西林
A.药品再评价B.Ⅳ期临床试验C.工期临床试验D.药理毒理研究属于上市后研究工作,应遵循GCP规范的是()
下列有关客户关系和具体业务的接受与保持的说法中,不正确的是()。
逻辑证明在实践检验真理的过程中的重大作用表现在( )
中共十一届三中全会以后,对毛泽东和毛泽东思想的历史地位作出科学评价的历史文献是()。
A、PineappleandmushroomsononehalfandgreenpeppersandItaliansausageontheother.B、Pineappleandgreenpeppersononeh
最新回复
(
0
)