问答题Credit cards enable their holders to obtain goods and services on credit. They are issued by retail stores, banks, credit card companies to approved clients. The bank or credit card company settles the client’s bills, invoicing him monthly and charging

题目
问答题
Credit cards enable their holders to obtain goods and services on credit. They are issued by retail stores, banks, credit card companies to approved clients. The bank or credit card company settles the client’s bills, invoicing him monthly and charging interest on any outstanding debts. Their profit comes from the high rate of interest charged, the card holder’s subscriptions, and the fees paid by some organizations that accept cards.
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1.SECTION A MINI-LECTUREDirections: In this section you sill hear a mini-lecture. You will hear the lecture ONCE ONLY. While listening, take notes on the important points. Your notes will not be marked, but you will need them to complete a gap-filling task after the mini-lecture. When the lecture is over, you will be given two minutes to check your notes, and another ten minutes to complete the gap-filling task on ANSWER SHEET ONE. Use the blank sheet for note-taking.听力原文： Good morning, everyone. First about your second assignment. I'd like to remind you that your second assignment should be in by next Fri day. You can either put it in my pigeon hole, or leave it with the Department's secretary. Now, let's get down to the lecture.Today, the lecture is on credit, er, or to be more specific, on credit cards. I'm sure you must have heard of some credit cards, like the VI SA card, which is an internationally used card, or the Great Wall card issued by the Bank of China, In order to give a better understanding, we'll discuss it in some detail.Many businesses, such as department stores, restaurants, hotels and airline companies, use a credit system for selling their products and services. In a credit system, the seller agrees to sell something to the buyer without immediately receiving cash. He receives the goods or ser vices immediately and promises to pay for them later. This buy-now-pay later credit system is quite old.There are two types of credit cards. One type is issued directly by a store to a customer. Many large department stores issue credit cards to their customers. The store credit card can be used to make purchases only at a particular store. For example, if you have a credit card from Store A, then you can only buy things in that store. Other stores would not accept it. The other kind of credit card is issued by a credit company. Credit cards from credit companies can be used to buy things almost anywhere. If you have a major credit card, you can buy airplane tickets, stay at hotels and eat at restaurant with it. Most large credit companies are connected to large banks. So if you want a credit card from a credit company, you generally have to make an application at a bank. After an applicant receives a credit card, he or she can make purchases using thecard.The credit company sends the customer a statement of purchases at the end of each month. Generally the customer has to pay 25--50% of their credit hill every month. The customer pays directly to the credit company and the credit company pays to the store or hotel or restaurant.There are some advantages and some disadvantages to using credit cards. The biggest advantage for the consumer is expressed by the phrase "buy now, pay later". This means that the consumer can purchase what he wants when he wants it. There is no need to save up money in advance. Another advantage of having a credit card is that it protects the owner, ff a credit card is lost or stolen, the owner only has to call the credit company and the credit company will stop the credit card number. No one else can use it. So the owner doesn't have to worry about losing the card. Another advantage of the credit card system is that the consumer receives a record of his or her purchases. Every month the credit customer receives a bill. The bill has a list of all purchases from that month. This makes it easier to remember when and where purchases are made. And another advantage is that credit cards can be used when something unexpected happens. Many kinds of professional people—plumbers, taxidrivers, doctors and dentists—will accept credit cards in an emergency. This is very important if you don't have any cash with you.However, having said all that, using credit cards has one major disadvantage. That is, consumers tend to overspend their money. They spend more than they make. If a consumer buys a lot of th

2.听力原文：The holder of credit card can buy goods against the card at any shop that has joined the scheme without cash.(9)A．The credit card can be used at any shop without paying cash.B．The credit card can he used at any appointed shop together with cash.C．The credit card can be used at any appointed shop without paying cash.D．The credit card can be used to withdraw any amount of cash.

3.听力原文：If you lose this credit card, you have to notify us as soon as possible, so that we can put a stop on your lost card.(3)A．We are the credit card holders.B．We are the bank who can encash the card.C．We are the credit card company.D．We stopped your card losing.

4.听力原文：What is it called if a letter of credit is issued for guarantee of performance rather than payment?(3)A．Back-to-back credit.B．Reciprocal credit.C．Documentary credit.D．Stand-by credit.

更多“问答题Credit cards enable their holders to obtain goods and services on credit. They are issued by retail stores, banks, credit card companies to approved clients. The bank or credit card company settles the client’s bills, invoicing him monthly and charging”相关问题

  • 第1题：

    听力原文：M: I've lost my credit card issued by your bank. What should I do, please?

    W: I am sorry for that. But you have to go to that counter over there for the card business.

    Q: Why does the customer come to the bank?

    (15)

    A．He got a credit card of his friend and come to ask how to use it.

    B．He got a card and did not know whose card it is.

    C．He has lost his credit card and come to ask what to do.

    D．He has found a credit card and come to ask what to do.


    正确答案：C
    解析：录音原文中男士说：I've lost my credit card issued by your bank，即他丢失了信用卡，来银行想知道该怎么办。

  • 第2题：

    A credit card is a plastic card and the like to be used to obtain money, goods, or services and an overdraft is not allowed.

    A．Right

    B．Wrong

    C．Doesn't say


    正确答案：C
    解析：第一段开始A credit card is…possibly under a line of credit established by the card issuer．但并没有说an overdraft is not allowed。

  • 第3题：

    What do large banks allow individual banks to do?

    A．To sell credit cards to consumers.

    B．To join their credit card network.

    C．To provide other banking services.

    D．To specialize in federal funds.


    正确答案：B
    解析：文章第一段提到Large banks may sell...join their credit card network. 大银行向消费者提供消费信用卡服务，并要求单个银行加入到信用卡网络中来。

  • 第4题：

    单句理解

    听力原文：Credit card holders can charge purchases to their credit card accounts, and they receive monthly statements.

    (1)

    A．Credit card holders will state if they don't buy anything.

    B．Credit card holders will receive their statements from the bank every month.

    C．Credit card holders can charge purchases to their bank accounts.

    D．Credit card holders have to make purchases every month.


    正确答案：B
    解析：单句意思为“信用卡持有者可以把消费额累加到信用卡账户上，银行每月会提供财务报告”。

  • 第5题：

    听力原文：W: How do you pay for your purchases with a credit card?

    M: Usually I sign a sales slip in the presence of the seller, and the signature is then compared to the signature on the card.

    Q: Where should the man sign when he pays for his goods with a credit card?

    (20)

    A．On his card.

    B．On the goods.

    C．On a sales slip.

    D．On the invoice.


    正确答案：C
    解析：对话中男士说道“usually I sign a sales slip”，即他通常在购物单上签字。

  • 第6题：

    听力原文：M: What is a cheque card?

    W: It was originally issued in UK. British banks started to issue cheque cards in 1965, and as from 1969 all the main commercial banks in Britain agreed to issue a standardized form. of cheque card.

    Q: What happened to British banks in 1969?

    (17)

    A．All the main commercial banks in Britain agreed to issue a standardized form. of cheque card.

    B．British banks started to issue credit cards.

    C．Customers of British banks may cash their cheques in European countries.

    D．Commercial banks in the United States began to issue cheque card.


    正确答案：A
    解析：根据女士回答：支票卡最先在1965年由英国银行发行，从1969年开始，英国各大商业银行协定发行标准化的支票卡。

  • 第7题：

    Questions 189~192 refer to the following article.
    Our Visa and Personal Credit Cards are issued by reliable capital retail bank. Offer is valid at all branded U.S. retail stations.
    Offer subject to credit approval: This offer is only available on new Visa or Personal Credit Card accounts. The offer may not be combined with any other offer. Introductory Offer of $0.20 per gallon in Fuel Credits, up to a maximum of $300 in total Fuel Credits, is good for 60 days from the date the account is opened.
    To earn Fuel Credits with the Visa Card, you must meet eligible spending thresholds in any billing period. Eligible spending includes net purchases made on your Card Account, other than （1） any purchases made at our branded merchants or （1） any purchases at other fuel merchants. If you spend more than ＄300 in eligible spending in any billing period, you will accrue ten cents （＄0.10） per gallon in Fuel Credits for each gallon of our fuel purchased in that billing period.If you spend more than $1,000 in eligible spending in any billing period, you will accrue twenty cents（＄0.20） per gallon in Fuel Credits for each gallon of our fuel
    purchased in details.
    Our Visa Card and Personal Credit Card are issued by a capital retail bank and are not an obligation of our U.S.A. Inc. and we are registered trademarks of the Intellectual Property LLC.
    A maximum of ＄300 in total Fuel Credits may be accrued and redeemed in any calendar year. Click here for information.
    For our Credit Card Accounts that are approved for cash access Cash Access for our Credit Card accounts is currently available only in the U.S. and Canada for
    accounts with credit limits of at least $500.
    Unauthorized charges do not include charges by a person whom you have given authority to use your accounts or card, and you will be liable for all use by such person.

    According to the passage, which of the following is NOT TRUE?

    A. $300 fuel credits can be redeemed only in certain year
    B. Our credit card accounts are available for each under some circumstances
    C. Credit limits should be at least ＄500 for cash access
    D. You can 't use our accounts all around the world

    答案：A
    解析：
    根据A maximum of $300 in total Fuel Credits may be accrued and redeemed in any calendar year 可知，在任一年内最大限额300 美元的Fuel Credits 可以积累和兑现，而不是在限定的桌一年内得到积累和兑现。

  • 第8题：

    Questions 189~192 refer to the following article.
    Our Visa and Personal Credit Cards are issued by reliable capital retail bank. Offer is valid at all branded U.S. retail stations.
    Offer subject to credit approval: This offer is only available on new Visa or Personal Credit Card accounts. The offer may not be combined with any other offer. Introductory Offer of $0.20 per gallon in Fuel Credits, up to a maximum of $300 in total Fuel Credits, is good for 60 days from the date the account is opened.
    To earn Fuel Credits with the Visa Card, you must meet eligible spending thresholds in any billing period. Eligible spending includes net purchases made on your Card Account, other than （1） any purchases made at our branded merchants or （1） any purchases at other fuel merchants. If you spend more than ＄300 in eligible spending in any billing period, you will accrue ten cents （＄0.10） per gallon in Fuel Credits for each gallon of our fuel purchased in that billing period.If you spend more than $1,000 in eligible spending in any billing period, you will accrue twenty cents（＄0.20） per gallon in Fuel Credits for each gallon of our fuel
    purchased in details.
    Our Visa Card and Personal Credit Card are issued by a capital retail bank and are not an obligation of our U.S.A. Inc. and we are registered trademarks of the Intellectual Property LLC.
    A maximum of ＄300 in total Fuel Credits may be accrued and redeemed in any calendar year. Click here for information.
    For our Credit Card Accounts that are approved for cash access Cash Access for our Credit Card accounts is currently available only in the U.S. and Canada for
    accounts with credit limits of at least $500.
    Unauthorized charges do not include charges by a person whom you have given authority to use your accounts or card, and you will be liable for all use by such person.

    From the last paragraph, we can know that（ ）.

    A. Authority to use the account should be given by our company
    B. You should be responsible for the cash access related to your account by any person using it
    C. If the charges of your account or card are authorized, there will be no credit limits
    D. If you give a person the right to use your account or card, he can use it

    答案：D
    解析：
    根据Unauthorized charges do not include charges by a person whom to useyour accounts or card， and you will be liable for all use by such person 可知，如果你给一个人权利去用你的卡或者账户，那么他就可以去用。而B 项中说的是any person，而你只需要对你所授权的人在使用时负责。

  • 第9题：

    As recently as three decades ago,many Americans believed that using credit was an unwise and?dangerous way to pay for what they bought．Some even thought that owing money to a store or a?credit company was something to be ashamed of．Good citizens,they believed,always bought what?they wanted with real money and they paid the full price immediately．
    Today,however,all that has changed．Credit,as some observers have noted,has become a?way of life in the United States．More and more Americans now are depending on those small pieces?of plastic,credit cards,to pay for large purchases such as televisions,record players or furniture．Many people today would consider it unusual not to use a credit card to pay for a costly restaurant?dinner,a hotel room or an airline trip．And there are some situations in which Americans must have?credit cards．If they want the temporary use of a car,for example,they first must give the car rental?company the number of their credit card．That number is considered a guarantee that they will return?the car and pay for using it．
    Credit cards offer two major services to Americans．First of all,they are easier and safer to?carry than large amounts of money．Second,they permit people to borrow,to have the immediate?pleasure of owning something,even if they do not have enough money to pay for it at the time．With?credit cards people pay for goods or services at the end of each month instead of when they buy them．And when the time does come to pay,most credit cards offer people a choice．They can pay all of?what they owe for the month or they can just pay usually between 5 and 10 percent of what they owe．

    What advantage can credit card holders have?

    A.They can choose not to pay for their purchases．
    B.They can easily borrow money at a lower interest．
    C.They can own something before they actually pay for it．
    D.They can pay only a small amount of what they owe．

    答案：C
    解析：
    【考情点拨】事实细节题。
    【应试指导】由文章第三段第三句“they permit people to borrow…for it at the time”可知，即使目前不能支付得起，人们仍然可以提前拥有某样东西，故选C。

  • 第10题：

    As recently as three decades ago,many Americans believed that using credit was an unwise and?dangerous way to pay for what they bought．Some even thought that owing money to a store or a?credit company was something to be ashamed of．Good citizens,they believed,always bought what?they wanted with real money and they paid the full price immediately．
    Today,however,all that has changed．Credit,as some observers have noted,has become a?way of life in the United States．More and more Americans now are depending on those small pieces?of plastic,credit cards,to pay for large purchases such as televisions,record players or furniture．Many people today would consider it unusual not to use a credit card to pay for a costly restaurant?dinner,a hotel room or an airline trip．And there are some situations in which Americans must have?credit cards．If they want the temporary use of a car,for example,they first must give the car rental?company the number of their credit card．That number is considered a guarantee that they will return?the car and pay for using it．
    Credit cards offer two major services to Americans．First of all,they are easier and safer to?carry than large amounts of money．Second,they permit people to borrow,to have the immediate?pleasure of owning something,even if they do not have enough money to pay for it at the time．With?credit cards people pay for goods or services at the end of each month instead of when they buy them．And when the time does come to pay,most credit cards offer people a choice．They can pay all of?what they owe for the month or they can just pay usually between 5 and 10 percent of what they owe．

    What is the best title for the passage?

    A.Credit—a Way of Life in America
    B.Credit Services in America
    C.Convenience of Living in America
    D.History of Credit Cards in America

    答案：A
    解析：
    【考情点拨】主旨大意题。
    【应试指导】整篇文章讲的是美国人对使用信用卡的态度和信用卡的使用对美国人生活的影响，所以“信用消费——美国的一种生活方式”最能概括全文，故选A。

  • 第11题：

    请根据下列材料写一篇150词左右的英语短文。 At present, a wide variety of credit cards issued by major banks and shopping malls are thriving in colleges and universities across the nation, with a multitude of college students making up a growing population of card holders. If you are a college student, will you also use the credit card?


    正确答案:略

  • 第12题：

    问答题
    Credit cards enable their holders to obtain goods and services on credit. They are issued by retail stores, banks, credit card companies to approved clients. The bank or credit card company settles the client’s bills, invoicing him monthly and charging interest on any outstanding debts. Their profit comes from the high rate of interest charged, the card holder’s subscriptions, and the fees paid by some organizations that accept cards.

    正确答案：
    信用卡能使持卡人通过赊账的方式购买商品、得到服务。信用卡由零售商店、银行和信用卡公司发放给经过批准的客户。银行或信用卡公司结清客户的账单,按月给客户开列其消费清单,收取欠款的利息。这些金融机构的利润来自所收取的高额利息、持卡人支付的认购费以及接受信用卡消费的单位所交纳的代理费。
    解析： 暂无解析

  • 第13题：

    听力原文：M: Some credit cards are called gold cards because they offer higher credit limits and lower interest rates.

    W: But the card holders should pay a significant annual fee, perhaps as high as ￡ 50.

    Q: What is the disadvantage for gold cards holders?

    (16)

    A．High credit limits

    B．High annual fee.

    C．Low interest rates.

    D．Monthly statements.


    正确答案：B
    解析：男士提到金卡的优点后，女士接着指出其缺点，即pay a significant annual fee，perhaps as high as ￡50，也就是年费高，B项正确。

  • 第14题：

    Normally, banks will set different credit limits on different customers' credit card ac counts.

    A．Right

    B．Wrong

    C．Doesn't say


    正确答案：A
    解析：从第二段第二句Normally, banks will set different credit lines to the different groups of cardholders．可推出。

  • 第15题：

    What is called correspondent banking?

    A．The bank which provides additional banking services.

    B．The provision of banking services to other banks.

    C．The particular ancillary services provided to foreign countries.

    D．The bank issuing credit cards.


    正确答案：B
    解析：文章第一段最后提到Large banks often provide...to other banks is called correspondent banking. 大银行向存款者提供辅助服务，并将这些辅助服务卖给其他银行，在这些服务条款中将其他银行称之为代理银行。

  • 第16题：

    听力原文：M: I want to apply for a credit card. What are the common credit cards?

    W: Master Card, Visa, Discover, and American Express. Apply for the ones without annual fees. Some credit cards even pay you back about 1% - 2% of what you spend.

    Q: Which type of credit card is not mentioned in the conversation?

    (19)

    A．Smart Card.

    B．Master Card.

    C．Visa Card.

    D．American Express.


    正确答案：A
    解析：男士问的是普通信用卡有哪些，女士的回答是“Master Card”，“Visa”，“Discover”，and “American Express”．只有A不属于这一类。

  • 第17题：

    听力原文：Credit card customers are given a credit limit on the credit card account.

    (8)

    A．Credit card customers are given a right to buy goods and services.

    B．The cardholder can buy goods and services within the credit limit.

    C．Normally, banks will set different credit lines to different groups of cardholders.

    D．Each month the cardholder receives a statement from the bank.


    正确答案：B
    解析：单句意思为“信用卡用户在信用卡账户上有特定的信贷限额”。A项缺少前提，C、D项表述正确，但与录音句子内容无关。

  • 第18题：

    听力原文：W: What is a smart card?

    M: A smart card is a secure, portable, tamper-resistant data-storage device. It has the exact size of a credit card and contains a computer with as much power as the original minicomputer.

    Q: What arc they talking about?

    (20)

    A．Cheque cards.

    B．Credit cards.

    C．Debit cards.

    D．Smart cards.


    正确答案：D
    解析：女士问智能卡是什么，男士回答智能卡的特点和功能。可知他们谈论的是智能卡。

  • 第19题：

    Questions 189~192 refer to the following article.
    Our Visa and Personal Credit Cards are issued by reliable capital retail bank. Offer is valid at all branded U.S. retail stations.
    Offer subject to credit approval: This offer is only available on new Visa or Personal Credit Card accounts. The offer may not be combined with any other offer. Introductory Offer of $0.20 per gallon in Fuel Credits, up to a maximum of $300 in total Fuel Credits, is good for 60 days from the date the account is opened.
    To earn Fuel Credits with the Visa Card, you must meet eligible spending thresholds in any billing period. Eligible spending includes net purchases made on your Card Account, other than （1） any purchases made at our branded merchants or （1） any purchases at other fuel merchants. If you spend more than ＄300 in eligible spending in any billing period, you will accrue ten cents （＄0.10） per gallon in Fuel Credits for each gallon of our fuel purchased in that billing period.If you spend more than $1,000 in eligible spending in any billing period, you will accrue twenty cents（＄0.20） per gallon in Fuel Credits for each gallon of our fuel
    purchased in details.
    Our Visa Card and Personal Credit Card are issued by a capital retail bank and are not an obligation of our U.S.A. Inc. and we are registered trademarks of the Intellectual Property LLC.
    A maximum of ＄300 in total Fuel Credits may be accrued and redeemed in any calendar year. Click here for information.
    For our Credit Card Accounts that are approved for cash access Cash Access for our Credit Card accounts is currently available only in the U.S. and Canada for
    accounts with credit limits of at least $500.
    Unauthorized charges do not include charges by a person whom you have given authority to use your accounts or card, and you will be liable for all use by such person.

    According to the reading, how to get fuel credits?

    A. No more than ＄300 spending in every billing period
    B. Paying attention to the thresholds
    C. Eligible spending
    D. Meeting the Fuel Rewards Program Terms

    答案：C
    解析：
    根据To earn Fuel credits with the Visa card， you must meet eligible spending
    thresholds in any billing period 可知，要想得到Fuel Credits，需要在收款期内符合相应条件的消费门槛。故选C。

  • 第20题：

    Questions 189~192 refer to the following article.
    Our Visa and Personal Credit Cards are issued by reliable capital retail bank. Offer is valid at all branded U.S. retail stations.
    Offer subject to credit approval: This offer is only available on new Visa or Personal Credit Card accounts. The offer may not be combined with any other offer. Introductory Offer of $0.20 per gallon in Fuel Credits, up to a maximum of $300 in total Fuel Credits, is good for 60 days from the date the account is opened.
    To earn Fuel Credits with the Visa Card, you must meet eligible spending thresholds in any billing period. Eligible spending includes net purchases made on your Card Account, other than （1） any purchases made at our branded merchants or （1） any purchases at other fuel merchants. If you spend more than ＄300 in eligible spending in any billing period, you will accrue ten cents （＄0.10） per gallon in Fuel Credits for each gallon of our fuel purchased in that billing period.If you spend more than $1,000 in eligible spending in any billing period, you will accrue twenty cents（＄0.20） per gallon in Fuel Credits for each gallon of our fuel
    purchased in details.
    Our Visa Card and Personal Credit Card are issued by a capital retail bank and are not an obligation of our U.S.A. Inc. and we are registered trademarks of the Intellectual Property LLC.
    A maximum of ＄300 in total Fuel Credits may be accrued and redeemed in any calendar year. Click here for information.
    For our Credit Card Accounts that are approved for cash access Cash Access for our Credit Card accounts is currently available only in the U.S. and Canada for
    accounts with credit limits of at least $500.
    Unauthorized charges do not include charges by a person whom you have given authority to use your accounts or card, and you will be liable for all use by such person.

    The Visa and Personal Credit Cards are available___

    A. to get approval of credit at bank
    B. in some capital retail bank
    C. for combining with other offer
    D. at U.S. retail stations

    答案：D
    解析：
    根据Our visa and Personal credit cards are issued by reliable capitalretail bank.
    Offer is valid at all branded U. S. retail stations“签证和信用卡在国家可靠的资本零售银行被发行。这种服务在美国所有的品牌零售点都是可行的”。故选D。

  • 第21题：

    As recently as three decades ago,many Americans believed that using credit was an unwise and?dangerous way to pay for what they bought．Some even thought that owing money to a store or a?credit company was something to be ashamed of．Good citizens,they believed,always bought what?they wanted with real money and they paid the full price immediately．
    Today,however,all that has changed．Credit,as some observers have noted,has become a?way of life in the United States．More and more Americans now are depending on those small pieces?of plastic,credit cards,to pay for large purchases such as televisions,record players or furniture．Many people today would consider it unusual not to use a credit card to pay for a costly restaurant?dinner,a hotel room or an airline trip．And there are some situations in which Americans must have?credit cards．If they want the temporary use of a car,for example,they first must give the car rental?company the number of their credit card．That number is considered a guarantee that they will return?the car and pay for using it．
    Credit cards offer two major services to Americans．First of all,they are easier and safer to?carry than large amounts of money．Second,they permit people to borrow,to have the immediate?pleasure of owning something,even if they do not have enough money to pay for it at the time．With?credit cards people pay for goods or services at the end of each month instead of when they buy them．And when the time does come to pay,most credit cards offer people a choice．They can pay all of?what they owe for the month or they can just pay usually between 5 and 10 percent of what they owe．

    Why does the car rental company ask for the credit card number?

    A.To prevent the overuse of the car．
    B.To make sure that the car won't be damaged．
    C.To make sure the user return the car and pay for using it．
    D.To ensure that the car is safely and timely returned．

    答案：C
    解析：
    【考情点拨】事实细节题。
    【应试指导】根据文章第二段最后两句可知，汽车出租商要信用卡卡号是为了确保租车人会归还汽车并付费，故选C。

  • 第22题：

    As recently as three decades ago,many Americans believed that using credit was an unwise and?dangerous way to pay for what they bought．Some even thought that owing money to a store or a?credit company was something to be ashamed of．Good citizens,they believed,always bought what?they wanted with real money and they paid the full price immediately．
    Today,however,all that has changed．Credit,as some observers have noted,has become a?way of life in the United States．More and more Americans now are depending on those small pieces?of plastic,credit cards,to pay for large purchases such as televisions,record players or furniture．Many people today would consider it unusual not to use a credit card to pay for a costly restaurant?dinner,a hotel room or an airline trip．And there are some situations in which Americans must have?credit cards．If they want the temporary use of a car,for example,they first must give the car rental?company the number of their credit card．That number is considered a guarantee that they will return?the car and pay for using it．
    Credit cards offer two major services to Americans．First of all,they are easier and safer to?carry than large amounts of money．Second,they permit people to borrow,to have the immediate?pleasure of owning something,even if they do not have enough money to pay for it at the time．With?credit cards people pay for goods or services at the end of each month instead of when they buy them．And when the time does come to pay,most credit cards offer people a choice．They can pay all of?what they owe for the month or they can just pay usually between 5 and 10 percent of what they owe．

    What do Americans feel about using credit cards nowadays according to the?passage?

    A.They consider it valuable．
    B.They regard it as a shame．
    C.They think it dangerous．
    D.They find it quite convenient．

    答案：D
    解析：
    【考情点拨】推理判断题。
    【应试指导】文章第一段写以前美国人对信用卡的看法很不好，第二段写如今人们的态度发生了改变，越来越多的人使用信用卡，有了信用卡生活更方便，故选D。

  • 第23题：

    When configuring a Commerce Payments cassette for a merchant， what should be created for EACH account？（）

    • A、A batch for each supported credit card type
    • B、A batch for each currency and credit card type
    • C、A batch for each cassette and currency
    • D、A brand for each supported credit card type
    • E、A brand for each currency and credit card type

    正确答案:D

  • 第24题：

    问答题
    请根据下列材料写一篇150词左右的英语短文。 At present, a wide variety of credit cards issued by major banks and shopping malls are thriving in colleges and universities across the nation, with a multitude of college students making up a growing population of card holders. If you are a college student, will you also use the credit card?

    正确答案： 略
    解析： 本题是针对大学生使用信用卡的普遍现象，要求阐述自己的看法。
    1．摆出自己的观点：不支持大学生申办信用卡。
    2．详细阐述原因。
    （1）信用卡可以透支，导致很多学生无形中消费增多（overdrawing makes more consume）。
    （2）消费增多的同时加重了父母的经济负担（parents' financial burden becomes heavier）。
    （3）摆正消费观念，大学生不必要使用信用卡（It is not necessary to use credit cards…）。
    3．总结观点：大学生应以学业为重，要树立正确的消费观，尽量减轻家长的经济负担。

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