Презентация по английскому языку на тему BUSINESS GAME CHOOSING A CREDIT CARD для СПО или высшей школы

BUSINESS GAMECHOOSING A CREDIT CARDПрезентация выполнена преподавателем английского языка «Нижегородского Губернского колледжа» Кузнецовой Светланой Ивановной. What’s the use of Credit Cards ?While we offer free credit card numbers, some people are wondering what the use of these cards and why is it important for this degree ?!Credit cards are one of the fastest way of buying and selling in the world and you can buy from online shops and supermarkets around the world easily even when you do not have the Financial liquidity available for purchase in the case.Also its advantages are used to activate your accounts in various electronic banks.You can through these cards deposit and withdraw money directly from your bank account without any effort.Credit Card can also be used in the travel arrangements and hotel reservations and submission of orders over the phone and doing business on the Internet.You can charge or buy various online games.You can buy Facebook Points which be used in different fun applications and games. Кредитные карты являются аналогом банковского займа. Основное предназначение карт – оплата небольших покупок в интернет или магазине. Если держатель в течение льготного периода успевает вернуть средства на карту, ему не придется платить проценты за обслуживание. В расходы будет включена только стоимость выпуска и годового использования. Большинство карт выпускаются международными платежными системами. Использовать их можно не только в стране эмитента, но и за рубежом. A CREDIT CARDA credit card is a  payment card issued to users (cardholders) as a method of payment. It allowsthe cardholder to pay for goods and services based on the holder's promise to pay for them. heissuer  of the card (usually a ban!) creates arevolving account and grants a line of credit to thecardholder" from which the cardholder can borrow money for payment to amerchant or as a cash advance. The ProblemRead these three advertisements for credit cards and analyse the features of each card using the ideas from the table. AHEAD ( ВЫМЫШЛЕННОЕ НАЗВАНИЕ)Now you can buy what you want. Holding AHEAD card will cost you nothing. We will send you a statement each month and you need only pay us 12 % of your total purchases or a minimum payment of ₤20.We will agree a credit limit with you. Do not worry if you lose your AHEAD card—for a small charge we will insure it so that you have zero liability for unauthorized use.The number of shops, cafes accepting the AHEAD card is increasing each month. Interest is charged only from the final date for payment shown on your statement. If you need cash, then you can get that too—but we have to charge interest from the date of withdrawal. ACCES ( ВЫМЫШЛЕННОЕ НАЗВАНИЕ) we answer!Where can you use your ACCES card? ACCES is the nation`s most widely accepted card and it is expanding rapidly all over the world.What interest you pay?If you clear your account when you receive your statement then you pay no interest, otherwise we charge interest at the rate of 2 % over minimum lending rate on your outstanding balance each month.Can a member of your family share the same account?You can specify up to three additional people to use your account. Each has a separate credit limit.What payments do you have to make?You must pay at least 5% of your month’s balance within 7 days.Can you get travellers’ cheques or cash with your ACCES card?We can provide other services such as cash withdrawal and purchase of Travellers’ cheques—ask for detail of these facilities and also for the small annual charge that we make for the convenience of having ACCER card.IMPORTANT—MORE PEOPLE HAVE ACCES THAN ANY OTHER CARD. SUNDIAL ( ВЫМЫШЛЕННОЕ НАЗВАНИЕ)It will cost you only ₤ 8 a year to get your SUNDIAL card and you can have an extra card for another member of your family absolutely free. We send you a monthly statement and no interest is payable if you send us a cheque for the total balance within 2 weeks. Losing you’re your SUNDIAL is not a big problem– report the loss to us and you have no liability after that.SUNDIAL is becoming more and more popular with shoppers and shopkeepers.It is easy to get and easy to use. Most shops nationwide accept the SUNDIAL card you can use it abroad if you wish—a small fee is all that is requied.You can withdraw cash from specified cash dispensers and buy travellers’ cheques from certain travel agents. With these transactions interest has to be charged from the date of transactions. We give you an initial credit limit of up to ₤500. ActionThe following people want a credit card—use your analysis of the three credit cards to discuss and decide which card you think would de best in each case. Emily is a student in her final year at a commercial college and in 3 months time will start working in her first job as a shop assistant. She hopes to rent a flat to live with a boy friend. But they have no plans to marry at present. Credit limitA credit limit is the maximum amount of credit that a financial institution or other lender will extend to a debtor for a particular line of credit. For example, it is the most that a credit card company will allow a card holder to take out at once on a card. This limit is based on a variety of factors ranging from an individual's ability to make interest payments, an organization's cashflow and/or ability to repay the credit card debt and is an obligation of the consumer to pay just like all other parts of the balance.Что такое лимит кредита? Это сумма денег, предоставляемая банком клиенту в постоянное использование. С получением банковского продукта на нем уже есть средства, поэтому заемщик может снимать наличные или расплачиваться за покупки. Возвращать долг надо вовремя, чтобы избежать лишних начислений. Jennifer and Robert Cline ( England) were married 7 months ago. They are finding balancing their budget quite difficult. Jennifer is a waitress. She has a part-time job. Robert is an advertising agent. The family income varies each month, it depends on the amount of overtime that Robert works. Sarah Bergman is an assurance manager. She travels to see clients both in this country and abroad. Because she travels so much she prefers not to carry too much cash but she finds that many hotels are not happy to put extras on the bill. Julia and Kevin Brown have two daughters who are away from home at university and have to pay most of their children`s living expenses. Kevin has a good job with an international company as Personnel Manager. They have a big flat and a small country cottage where they live in summer.When you have had your discussion. You will have to report on your analysis of the cards and present your decisions—justifying them if necessary. AHEADSUNDIALACCESCost of cardObtain cashExtra cardsStatementsMinimum monthly repaymentsInterest free periodCredit limitUse nationwide/worldwideIn groupsAnalyse the information and fill in this table AHEADSUNDIALACCESCost of cardСтоимость картыObtain cashПолучите наличные деньгиExtra cardsДополнительные картыStatementsВыписка, отчетMinimum monthly repaymentsМинимальные ежемесячные выплатыInterest free periodБеспроцентный периодCredit limitКредитный лимитUse nationwide/WorldwideИспользование общенациональное /во всем мире THANK YOU!