Вопрос № 1083937

Иван выбирает подходящую для него кредитную карту. Для него особенно важно, чтобы проценты были невысокими, чтобы отсутствовала плата за обсаживание (или была минимальная). Приветствуются дополнительные опции, например, кешбэк. Иван недавно окончил университет и устроился на работу, поэтому у него есть стабильный доход. Какая кредитная карта лучше всего подойдет Ивану?

Курс направлен на развитие ключевых навыков профессионального общения, включая ведение переговоров, подготовку убедительных презентаций и оформление деловой переписки. Студенты учатся выстраивать продуктивное взаимодействие с коллегами, клиентами и партнерами, осваивают техники аргументации и управления конфликтами. Программа помогает повысить эффективность коммуникации в различных бизнес-средах, что способствует карьерному росту и достижению профессиональных целей. Особое внимание уделяется адаптации стиля общения под разные аудитории и ситуации.
Варианты ответа:
  • American Express Platinum Cashback Everyday Credit Card – This card from American Express pays unlimited cashback on all spending at a rate of 0.5 % or 1 % depending on how much you spend. It’s the top cashback payer that doesn’t charge an annual fee. The card earns 0.5 % cashback after first 3 months (if you spend £1 to £10,000) and 1 % cashback after first 3 months with spending above £10,000. Cashback earned will be paid into your card account every year. With a representative APR of 24.5 % (variable), you will need to clear your balance every month to get the most from this card. The card comes with the regular Amex benefits, such as Global Assist service for foreign travel and discounts at selected retailers. There’s a 5 % cashback welcome bonus for new customers in the first 3 months on up to the first £2,000 in spending which is appealing if you are applying for the card with the purpose of making a major purchase
  • The Barclaycard Rewards credit card is not only free of overseas charges but, so long as you pay off your balance every month, you won’t pay interest either. This even includes withdrawing cash from at ATM in the local currency. As well as being great for overseas use, the Barclaycard Rewards card actually pays you to spend (albeit at 0.25 % which is one penny for every £4) in the form of cashback. But this card is only cost-free if you pay off your entire balance every month. If there is a balance remaining you’ll be charged a representative 22.90 % APR (variable) on it. The deal comes with some strict eligibility rules. You need to be aged at least 21 to qualify for the card, with four years’ experience handling credit under your belt and an annual income of more than £21,000
  • British Airways American Express Credit Card – 1 Avios per £1 spent. 5,000 bonus Avios when you spend £1,000 in first three months (new cardmembers only, T&Cs apply.) No annual fee. Refund protection up to £200 when a UK retailer won’t refund an eligible item within 90 days of purchase (subject to enrolment). Purchase protection up to £2,500 when an item is stolen or damaged within 90 days of purchase (subject to enrolment). Travel accident insurance up to £75,000 (subject to enrolment), plus 24/7 access to emergency assistance. REPRESENTATIVE APR – 24.7 %. ANNUAL FEE: £0

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