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  3. Virtually all consumers will have a credit card in their lives. Selecting a credit card should not be something taken lightly, c

Virtually all consumers will have a credit card in their lives. Selecting a credit card should not be something taken lightly, c

admin2012-05-19  39
问题     Virtually all consumers will have a credit card in their lives. Selecting a credit card should not be something taken lightly, card companies are constantly looking for new consumers, but only after wisely comparing offers should you select a provider. Pick a company that will give you a reasonable rate and one that incehtivizes their program with some type of reward for using their card.
    Almost without fail, rewards cards typically give consumers money back on their purchases or allow you to accumulate points toward prizes on future purchases. If you charge $ 10,000 per year and your rewards card pays you a 2% reward on purchases, you will receive $ 200 from the company. Usually you will gain the funds in the form of several credits to your account spread out over the course of year, but in some cases you will receive the rewards in the form of a check.
    Rewards cards are free money? Only if you do not have to pay an annual fee and you pay your credit card off every month. If you do not pay your card off every month, your reward could easily be overshadowed by monthly interest payments, especially if your interest rate is high. Not too many companies pay rewards and give you a low rate at the same time. In theory, even if you carry balances for as little as 2-3 months before paying your card off you could find your rewards for the entire year outweighed by finance charges.
    So you need to consider the following when selecting your card. First, is there an annual cap on purchases? Many rewards cards will limit to you the amount of cash back funds or rewards points you can accumulate in one year. Most people never come close to the figure, but if you are a business traveler you can quickly approach and pass these limitations within the year. Second, do points eventually drop off? The majority of rewards cards only allow you to accumulate points for three years before they begin to drop off. If your next car purchase is five years away and you have a program that drops off points, you could find the first two years of card usage to be a waste as those points would vanish. If you still want that particular rewards card, only use it in years 3,4, and 5 so that when it comes time to purchase your new car you will not have lost any points. You could consider getting and using another rewards card for a different rewards system to cover years 1 and 2.
    All in all, rewards card can be a useful option for the savvy consumer. Remember, points do fall off and carrying balances from month to month will wipe out the value of the card in short order. By showing plenty of discipline you can make rewards cards work well for you.
If you often travel on business, ______.
选项 A、you’d better consider taking a cap with you
B、many rewards cards will not limit to you
C、you will never come close to the limitation
D、you’d better choose a higher limitation card
答案D
解析 细节推断题。根据文章第四段第三句可知，很多积分信用卡都限制了最高返还的金额或一年内必须达到的积分值。第四句提到，普通人可能不会达到那么高的限额，但经常出差的人就很容易接近甚至超过那个最高限额，所以文章建议经常出差的人选择一张更高限额的卡，所以正确答案为D。
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