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  3. It seems like everyone loves to hate credit card companies, but some firms are more unpopular than others, and the industry as a

It seems like everyone loves to hate credit card companies, but some firms are more unpopular than others, and the industry as a

admin2013-08-12  77
问题     It seems like everyone loves to hate credit card companies, but some firms are more unpopular than others, and the industry as a whole faces a distrusting public. That’s the conclusion of the fourth annual customer satisfaction survey of 11 major card issuers by J.D. Power and Associates, the marketing-information firm. It found that American Express, Discover Card and U.S. Bank scored above-average, while HSBC, Citi Cards and Capital One brought up the rear.
    While customers were a bit more satisfied than they were in last year, the number "claiming loyalty" to their card companies "continues to slip as skepticism that card issuers are focused on customers’ best interests remains," J.D. Power states. And that overall improvement in satisfaction was pretty small—up to 714 on a 1,000-point scale, from 705 last year. In other bad news, the number of customers say they "definitely will not switch" their main cards in the next 12 months dropped to 22%, from 30% in 2008 and 25% in 2009. In other words, 78% think they might switch and are considering the trouble and expenses a switch might entail.
    Why are customers so down on their card companies? According to the J.D. Power, online consumer conversations about credit cards indicate that many of those consumers perceive their relationships with credit card companies as an ongoing game of "cat and mouse," with each side trying to outsmart the other. Social media discussions regarding credit cards also indicate that many consumers view even CARD Act disclosures with cynicism(嘲讽). The CARD Act, passed last year, prohibits some of the most disliked practices, like applying rate increases to balances built up under older, lower rates. It also required better disclosures of things like how long it would take to retire a card debt with minimum payments.
    So if you’re unhappy with your card, should you switch? Maybe, but keep in mind you could face balance-transfer fees as well as disruption to your credit history. Also, remember there is a correct way to improve your satisfaction with the card you already have: keep its use to a minimum and pay off the entire balance every month. And if you’re really unhappy with your card, use the search tool to find a better one.  
The practice of applying rate increases to balances built up under older, lower rates, is considered as______.
选项
答案one of the most disliked practices
解析 题干所提及的这一做法，在文章中作为“最遭人厌恶的做法”中的一个例子来体现．故答案应填one of the most disliked practices。
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