Author: James H. Dimmitt 作者：詹姆斯H Dimmitt
Article source: http://www.p-rposters.com/ . 文章来源： http://www.p-rposters.com/ 。 Used with author's permission. 用作者的许可。 Rewards cards have become the latest rage in the credit card industry.奖励卡已成为最新流行的信用卡行业。 In the past, consumers shopped for credit cards that offered the lowest interest rate.在过去，消费者购物信用卡提供的最低利率。 Next came cards with low interest rates and no annual fees.接着，卡，低利率和无年费。 Today, consumers can shop for cards based on what type of "reward" they can earn for using a specific issuer's card.今天，消费者可以购买卡的基础上什么类型的“奖励” ，他们可以赚取使用的具体发行的信用卡。 How does a reward program work?如何奖励计划工作？ Typically, the program awards points, "dollars" or a cash value based on the amount you charge.通常情况下，该计划奖分， “美元”或现金价值为基础的金额收费。 The rate at which you collect points varies depending on what you charge or where you charge it.的速度您收集点取决于你收费或收费，您它。 Some programs offer extra points for using their card at a specific place such as a supermarket or fast food restaurant or for certain items.一些程序提供额外点使用他们的卡在某一特定地点，如超市或快餐店或某些项目。 Some programs offer a variety of rewards.一些程序所提供的各种奖励。 Consumers can earn meals, tickets to sporting events, airline tickets, electronics, or even create their own reward program.消费者可以赚取膳食，门票的体育赛事，机票，电子产品，甚至建立自己的奖励计划。 The goal is to get you the consumer to use your credit card as much as possible.我们的目标是让你的消费者使用您的信用卡尽可能。 Why?为什么？ FEES!手续费！ The credit card issuer makes money from two sources each time you use their card.该信用卡发卡行赚钱有两个来源每次使用他们的信用卡。 First, from the merchant who pays the issuer a merchant transaction fee and secondly, from you through finance charges and late fees.首先，从商家谁付费发行的商人交易费用，其次，从你通过财务费用和滞纳金。 A recent survey found that nearly half of US cardholders enrolled in a credit card rewards program have never redeemed their points.最近的一项调查发现，将近一半的美国持卡人进入信用卡奖励计划从来没有兑现他们的论点。 However, 60% of consumers said rewards program influences their decision when deciding which credit card to use for a purchase.然而， 60 ％的消费者表示，奖励计划的影响时，他们的决定决定哪些信用卡用于购买。 When considering an offer for a card that offers rewards, be sure to read the fine print.当考虑收购卡，提供奖励，务必阅读印刷的罚款。 Find out what you have to do to earn points.找出您需要做的，以获得积分。 Look carefully for any restrictions as to when you can redeem them.仔细观察任何限制，什么时候可以赎回他们。 Also check to see if your points carry over from one year to the next.也请检查您点结转从一年到下一年。 Reward programs most benefit those who pay off their balances monthly.奖励计划最有利于那些谁偿清其每月结余。 For those who carry a balance or even pay late, the resulting higher balances and fees aren't really much of a reward, are they?对于那些谁进行平衡，甚至晚支付，由此产生的更高的余额和收费并没有真正太大的奖励，是什么？ © 2004, http://www.yourfreecreditreportnow.com © 2004 ， http://www.yourfreecreditreportnow.com About The Author作者简介 James H. Dimmitt詹姆斯H Dimmitt Discover more money-saving tips and articles in "To Your Credit" by visiting http://tinyurl.com/bgo9发现更多省钱的技巧和文章在“您的信用卡”访问http://tinyurl.com/bgo9 Subscribe today and receive FREE bonuses!订阅和接收免费奖金！ jimdim815@aol.com jimdim815@aol.com
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