The correct answer is option 3, 14%.

To calculate the real interest rate, we need to adjust the nominal interest rate by subtracting the inflation rate. In this case, the nominal interest rate is 24% and the inflation rate is 10%.

To find the real interest rate, we subtract the inflation rate from the nominal interest rate:

Real interest rate = Nominal interest rate - Inflation rate

Real interest rate = 24% - 10%

Real interest rate = 14%

Therefore, the real interest rate on the credit card loan is 14%.

Option 1, 240%, is incorrect because it does not take into account the inflation rate.

Option 2, 34%, is incorrect because it does not consider the inflation rate and overestimates the real interest rate.

Option 4, 4%, is incorrect because it does not consider the inflation rate and underestimates the real interest rate.

Alert - correct answer should be 14%.