Value-added cards often come with hefty annual fees. But if you already use a credit card for business expenses (or if you travel a great deal), the tickets you could earn with an airline credit card might be worth far more than the $50 or $60 annual fee.
第一段文字中的"free" rewards就是所谓的增值服务,而括弧里的举例说明frequent flier miles指的就是信用卡的增值服务中最常见的通过刷卡消费累积航空里程,常见于商旅信用卡,其最大的特点就是消费可累积飞行里程,积累到一定额度,就可以用里程直接兑换航空公司的免费机票。又如,航空联名信用卡能为持卡客户提供更多旅行类及生活类的特别优惠与权益,如机场接送、免费升舱、机场贵宾厅、附增保险等多种增值服务。但是,因为具有这些附加的服务,所以,附加了增值服务的信用卡通常是收取不菲的年费的,即上述第二段文字的第一句表述Value-added cards often come with hefty annual fees。由此可见,只有提供了多种增值服务的信用卡,才是真正意义上的value-added card!
同理,对卡片持有人提供的增值服务,才是叫做value-added service。维基百科的解释是:A value-added service (VAS) is a popular telecommunications industry term for non-core services, or in short, all services beyond standard voice calls and fax transmissions,也就是说,通讯行业提供的主打业务 行文至此,我们已经可以断定,将公交卡之俗称“充值卡” 目前我国多地公交和地铁系统中关于公交“充值卡”的英语译文还有被称为stored-value card,即所谓的“储值卡”,如南京地铁系统的语音提示系统在英语播报的时候就这么说,但是这个说法也不靠谱。首先,store作为动词作“存储”解释时指的是A stock or supply reserved for future use,即把某件物品存储起来以备日后使用,这个释义与这里的“储值”就不对应了。国外某投资网站对store of value条目做了如下解释:Any form of commodity, asset, or money that has value and can be stored and retrieved over time,即任何具有价值的商品、资产或金钱都可以储存起来以备日后使用。其次,根据维基百科的解释,stored-value card应用在公交领域时,应该是指不记名的公交卡,请看以下释义:A stored-value card refers to monetary value on a card not in an externally recorded account and differs from prepaid cards where money is on deposit with the issuer similar to a debit card. One major difference between stored value cards and prepaid debit cards is that prepaid debit cards are usually issued in the name of individual account holders, while stored value cards are usually anonymous. 维基百科的上述解释表明,stored value cards是匿名的。据笔者的有限了解,我国的公交卡起初都是匿名的,而现在基本上都是实名制的,所以说应该属于prepaid card。
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