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1、READINGCOMPREHENSIONTEXTACreditcardrewardsprogramshavetraditionallyfeaturedairlinemiles,giftcertificates,andcashbackforcustomerswhospendenoughontheircardstorackuppoints•Butrecently,creditcardcompanieshavestartedofferingadifferentkindofgift:They1rehandingoutlowerin
2、terestrates,refundinginterestpayments,andusingotherstrategiestoprovideincentivesforcardholderstopaydowntheirdebtandmakeon-timepayments・Thedeals,however,don11alwaysworkinconsumers1favor.ThenewCitiForwardcardgivescardholderspointsandreducestheirannualinterestratefor
3、makingon-timepaymentsandforstayingundertheircreditlimit•TDBankfsSimplyFlexiblecardchangescustomers1interestratesdependingonhowmuchoftheirbalancetheypayoff•Iftheypayoff10percentormoreoftheirbalance,thentheygetthelowestavailableinterestrate；payingbetweentheminimumpa
4、ymentand5percentofthebalancegetsthemthehighestinterestrate.AndDiscover1sMotivacardgivescardholdersonemonth1sworthofinterestbackaftersixconsecutiveon-timepayments•Cardcompaniessaytheideabehindthenewrewardsistohelpcustomersgetontopoftheirfinances.nIt1sallaboutpromot
5、ingfinancialfitnessandgivingcustomersthechoicestheyneedtohelpthemmanagetheirdebtzsaysMichaelCopley,seniorvicepresidentofretaillendingforTDBank.HesayshethinkstheSimplyFlexiblecardmotivatescardholderstopayoffmoreoftheirdebtandattributesthecompanysrelativelylowdelinq
6、uencyratetotheproduct•Becauseofthecontinuingrecession,companieshaveanincentivetokeeptheircustomersfromslidingfurtherunderwater•nThisisinresponsetorecognitiononthepartofissuersthattheyhavetohelptheircardholdersdoabetterjobofmanagingtheirmoney,socustomerskeepthoseca
7、rdsforalongtime,nsaysRonShevlin,senioranalystatAiteGroup,aresearchandadvisoryfirm.Thechallengeforcompanies,hesays,istobalancetheprofitabilityofconsumerswhomaintainabalance,andthereforepayinterestfeeseachmonth,againsttheincreasedriskthatthosecardholdersposebecauset
8、heyaremorelikelytodefaultontheirdebt.Rewardsprogramsthatencouragecustomerstomaintainabalancewhilepayingontime,suchastheMotivacard,mayhelpthemstrikethatb
