单选题Which of the following statements is TRUE? ______.A Credit cards have more advantages than travellers’ cheques.B Dollar bills are as convenient as credit cards.C One-cent coins have been withdrawn from circulation.D You can increase your credit limit a
题目
单选题
Which of the following statements is TRUE? ______.
A
Credit cards have more advantages than travellers’ cheques.
B
Dollar bills are as convenient as credit cards.
C
One-cent coins have been withdrawn from circulation.
D
You can increase your credit limit as you like.
相似考题
更多“单选题Which of the following statements is TRUE? ______.A Credit cards have more advantages than travellers’ cheques.B Dollar bills are as convenient as credit cards.C One-cent coins have been withdrawn from circulation.D You can increase your credit limit a”相关问题
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第1题：
短文理解
听力原文： In the United States, even if you decide that you do not want to borrow in order to go on vacation, it is still a good idea for you to have several major credit cards. These provide positive identification when renting an automobile and can be used for the deposit. The credit card receipts will serve as an accurate record of all hotel, plane, train, and restaurant expenses. The use of credit cards avoids the necessity of carrying large amount of cash, purchasing large amounts of traveler's cheeks and keeping track of them, or attempting to use personal checks in places other than your own locality.
Many major credit cards provide an instant cash service in case you run out of money. American Express, for example, has set up machines in major airports in which you can purchase traveler's checks using your American Express card.
21. The credit card receipts will serve as accurate record for all but which of the following choices?
22.Which of the following is not true about the use of credit card?
23.Concerning the advantages of credit cards, which of the following is true?
24.According to the passage, which card has set up machines in major airports?
(21)
A．hotel expenses
B．stock exchange
C．plane expenses
D．restaurant expenses
正确答案：B
解析：录音原文提到The credit card receipts will…and restaurant expenses．信用卡收据准确地记录了花费在宾馆、飞机、火车、餐馆方面的支出，没有提及股票交易支出。 -
第2题：
If you are staying in the UK for more than 6 months, it may be useful to open a UK bank account. There are a lot of advantages of having a UK current (checking) account:
Paying bills
Many landlords prefer to collect rent directly from a bank account.
You may be able to obtain cheaper services if you pay bills directly from a bank account，e. g. telephone, gas/water/electricity.
If you are given a chequebook, you can also write cheques as a safe way of paying for things.
Cash
You can easily obtain money from cash machines，or pay directly from your account using a debit card(借记卡).
Saving money
It is generally cheaper to use a UK account than it is to pay by credit card(信用卡)or withdraw (提取) cash from a foreign bank.
Employment
If you work in the UK，some employers require you to have a bank account so that you can get your pay.
Advantages of UK Current Account
Paying bills： 1) to pay rent directly from ①
2) to obtain ② services
3) to pay for things with cheques safely
Cash：1)to obtain money from ③ easily
21 to pay directly from your account
Saving money：cheaper to use a ④ account
Employment：to get your ⑤ through a bank account
答案：①bank account②cheaper③cash machines④UK⑤pay
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第3题：
What can be inferred from Sal Guatieri's comments?（ ）
[A] House sales worsened other sectors of the economy.
[B] House sales resulted in the worsened credit crunch.
[C] The credit crunch worsened the whole economy.
[D] Mortgage applications have been falling for 6 years.
正确答案：C
从Sal Guatieri的评论中可以得出什么推论?
[A]房屋销售恶化了其他经济板块。
[B]房屋销售导致信贷紧缩加剧。
[C]信贷紧缩使经济恶化。
[D]抵押申请六年来一直在降。
答案解析：[C]推理判断题。根据第四段第二句可知：信贷紧缩导致了两方面的后果——房屋销售和其他经济板块的恶化，所以排除[A]、[B]；根据第一句可知：抵押申请降至六年来最低，而非指六年来一直下降，故排除[D]。所以，正确答案是[C]。 -
第4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5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6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7题：
资料：No credit，bad credit Hear the terms often enough and they can blur together.These credit statuses aren’t one and the same，though.
Whether you have no credit or bad credit，one thing’s for sure：You don’t have good credit.And without good credit，you’ll face an uphill battle any time you apply for a loan or credit card.
Potential lenders will want to know that you will almost certainly repay any money that you borrow.They likely won’t risk loaning money or extending credit to those whose creditworthiness is a big question mark or，worse，who have a track record of poor money management.
If you fall into either of these categories，it’s smart to focus on raising your credit scores.
If you have no credit score，you don’t have a credit history.If you have bad credit，it’s likely that you’ve mishandled credit in the past.And these two less-than-ideal credit standings require different solutions.
If you fall in the no-credit category，you haven’t necessarily made any financial mistakes.In this case，a good way to start building that history is to acquire a credit card for people with no credit.Secured credit cards （which require a security deposit）or college student credit cards are typically the easiest to qualify for if you have no credit.A credit-builder loan can also help you establish credit.
Bad credit can be a result of financial missteps，including missing payments，defaulting on loans，or having accounts sent to collections.If you fall into this category and need credit，you’ll need to look for a bad-credit credit card.A secured card or credit-builder loan is a good option in this situation，as well.You also may qualify for a bad-credit personal loan.If you still have open accounts，pay down the balances but don’t close credit accounts if you can avoid it.
People with no credit are just starting to build their financial reputation，while those with bad credit are doing damage control.
Moving from one of these less desirable situations to a good credit standing may use different tools，but the method is much the same： Make your payments on time and keep your debt low.It takes diligence and dedication，but it can be done.
The main purpose of the passage is to______.A.teach people how to have credit accounts
B.suggest ways for people to keep good credit record
C.present a concern about people’s bad credit nowadays
D.explain the differences between no-credit and bad credit答案：D解析：本题考查的是主旨大意。
【关键词】main purpose
【主题句】第1自然段No credit，bad credit Hear the terms often enough and they can blur together.These credit statuses aren’t one and the same，though.经常听到无信用、不良信用这些术语，它们之间容易混淆，但这些信用状态并不是一回事。
【解析】本题的问题是“该段落的主要目的是_______”。A选项“教人们如何拥有信用账户”；B选项“推荐人们保持良好信用记录的方式”；C选项“表达对现在人们不良信用的关注”；D选项“解释无信用和不良信用之间的差异”。通读全文，文章开头引出无信用和不良信用这两种信用状态，之后分别进行解释，并给予改善信用状态的措施和方法，故D选项更符合题意。 -
第8题：
资料：No credit，bad credit Hear the terms often enough and they can blur together.These credit statuses aren’t one and the same，though.
Whether you have no credit or bad credit，one thing’s for sure：You don’t have good credit.And without good credit，you’ll face an uphill battle any time you apply for a loan or credit card.
Potential lenders will want to know that you will almost certainly repay any money that you borrow.They likely won’t risk loaning money or extending credit to those whose creditworthiness is a big question mark or，worse，who have a track record of poor money management.
If you fall into either of these categories，it’s smart to focus on raising your credit scores.
If you have no credit score，you don’t have a credit history.If you have bad credit，it’s likely that you’ve mishandled credit in the past.And these two less-than-ideal credit standings require different solutions.
If you fall in the no-credit category，you haven’t necessarily made any financial mistakes.In this case，a good way to start building that history is to acquire a credit card for people with no credit.Secured credit cards （which require a security deposit）or college student credit cards are typically the easiest to qualify for if you have no credit.A credit-builder loan can also help you establish credit.
Bad credit can be a result of financial missteps，including missing payments，defaulting on loans，or having accounts sent to collections.If you fall into this category and need credit，you’ll need to look for a bad-credit credit card.A secured card or credit-builder loan is a good option in this situation，as well.You also may qualify for a bad-credit personal loan.If you still have open accounts，pay down the balances but don’t close credit accounts if you can avoid it.
People with no credit are just starting to build their financial reputation，while those with bad credit are doing damage control.
Moving from one of these less desirable situations to a good credit standing may use different tools，but the method is much the same： Make your payments on time and keep your debt low.It takes diligence and dedication，but it can be done.
It can be inferred that the potential lenders______A.will probably loan money bad-credit people as they still have open accounts.
B.will probably loan money no-credit people as they haven’t made any financial mistakes.
C.won’t risk loaning money or extending credit to no-credit person or bad-credit person.
D.None of above答案：C解析：本题考查的是推理判断。
【关键词】inferred；potential lenders
【主题句】第3自然段Potential lenders will want to know that you will almost certainly repay any money that you borrow.They likely won’t risk loaning money or extending credit to those whose creditworthiness is a big question mark or，worse，who have a track record of poor money management.潜在的贷款人会想知道你确定会偿还你所借的款项。他们应该不会冒险借钱或将信贷扩展到信誉度可疑的人，或者更糟糕的是，有不良的资金管理记录的人。
【解析】本题的问题是“可以推断出潜在的贷款人，_______”。A选项“因为他们仍有开户，可能会向坏账信贷人员贷款”；B选项“由于没有出现任何经济上的错误，他们可能会向没有信贷的人贷款”；C选项“不会冒险借款，或向无信贷人或不良信用人提供信贷”；D选项“以上皆不”。根据题目中关键词找到主题句，贷款人不会冒险贷款，故选C。 -
第9题：
资料：No credit，bad credit Hear the terms often enough and they can blur together.These credit statuses aren’t one and the same，though.
Whether you have no credit or bad credit，one thing’s for sure：You don’t have good credit.And without good credit，you’ll face an uphill battle any time you apply for a loan or credit card.
Potential lenders will want to know that you will almost certainly repay any money that you borrow.They likely won’t risk loaning money or extending credit to those whose creditworthiness is a big question mark or，worse，who have a track record of poor money management.
If you fall into either of these categories，it’s smart to focus on raising your credit scores.
If you have no credit score，you don’t have a credit history.If you have bad credit，it’s likely that you’ve mishandled credit in the past.And these two less-than-ideal credit standings require different solutions.
If you fall in the no-credit category，you haven’t necessarily made any financial mistakes.In this case，a good way to start building that history is to acquire a credit card for people with no credit.Secured credit cards （which require a security deposit）or college student credit cards are typically the easiest to qualify for if you have no credit.A credit-builder loan can also help you establish credit.
Bad credit can be a result of financial missteps，including missing payments，defaulting on loans，or having accounts sent to collections.If you fall into this category and need credit，you’ll need to look for a bad-credit credit card.A secured card or credit-builder loan is a good option in this situation，as well.You also may qualify for a bad-credit personal loan.If you still have open accounts，pay down the balances but don’t close credit accounts if you can avoid it.
People with no credit are just starting to build their financial reputation，while those with bad credit are doing damage control.
Moving from one of these less desirable situations to a good credit standing may use different tools，but the method is much the same： Make your payments on time and keep your debt low.It takes diligence and dedication，but it can be done.
Which topic has not been covered in the passage？A.Next steps to take for people in different categories
B.How no credit and bad credit are different
C.How no credit and bad credit are similar
D.All the above have been discussed in the passage答案：D解析：本题考查的是细节理解。
【关键词】topic；not been covered
【主题句】第1自然段No credit，bad credit Hear the terms often enough and they can blur together.These credit statuses aren’t one and the same，though.经常听到无信用、不良信用这些术语，它们之间很容易混淆，但这些信用状态并不是一回事。
第2自然段Whether you have no credit or bad credit，one thing’s for sure：You don’t have good credit.And without good credit，you’ll face an uphill battle any time you apply for a loan or credit card.无论您没有信用还是信用不良，有一件事是肯定的——您没有良好的信誉。没有良好的信誉，您在申请贷款或信用卡时都势必要打一场硬战。
第6自然段If you fall in the no-credit category，you haven’t necessarily made any financial mistakes.In this case，a good way to start building that history is to acquire a credit card for people with no credit.如果您属于无信用类别，则不一定是出现了什么财务问题。在这种情况下，对于无信用的人而言，创建信用记录的一种好方法是获取信用卡。
第7自然段If you fall into this category and need credit，you’ll need to look for a bad-credit credit card.如果您属于此类别且需要信用，则需要查找不良信用的信用卡。
【解析】本题的问题是“文章中没有涉及哪个主题？”A选项“为不同信用类别的人们提供后续步骤”；B选项“没有信用和不良信用是不同的”；C选项“没有信用和不良信用是相似的”；D选项“以上所有内容已在文章中讨论过”。通读全文，作者在开头提出无信用和不良信用虽然易混，但是截然不同，并具体阐释两者共通之处和相互差异。之后，给予两种不同信用状态用户相应的解决措施和方法，因而选项A、B、C文章都谈论到，故选D。 -
第10题：
You need to generate a list of all customer last names with their credit limits from the CUSTOMERS table. Those customers who do not have a credit limit should appear last in the list. Which two queries would achieve the required result?（）
- A、SELECT cust_last_name, cust_credit_limit FROM customers ORDER BY cust_credit_limit DESC
- B、SELECT cust_last_name, cust_credit_limit FROM customers ORDER BY cust_credit_limit
- C、SELECT cust_last_name, cust_credit_limit FROM customers ORDER BY cust_credit_limit NULLS LAST
- D、SELECT cust_last_name, cust_credit_limit FROM customers ORDER BY cust_last_name, cust_credit_limit NULLSLAST
正确答案:B,C -
第11题：
单选题A: OK, how would you like to pay? B: ______ADo you take credit cards?
BI’m looking for a sweater.
CThat’s nice. Can I try it on?
DThank you. I’ll have it.
正确答案： A解析：
此题中收银员询问顾客付款方式。A选项“可以用信用卡付款吗?”为正确答案。选项B“我想买件运动衫”、C项“太好了，可以试穿吗”和D项“谢谢啦，就要这件。”均为挑选服装过程中的用语。 -
第12题：
单选题Which of the following statements is INCORRECT?AStock markets in Europe and America have dropped considerably.
BThere may be a wider financial crisis in case of Greek default.
CA further round of selling has been under way.
DPortugal has seen credit rating downgraded.
正确答案： C解析：
细节判断题。由新闻材料可知，很多大型投资基金禁止债券持有者持有垃圾债券，并表示此行为可能会引发新一轮的购买。因此可推断出，另一轮购买并不存在，只是假设情况，选项C与原文内容相矛盾，故C项为正确答案。
【听力原文】
Stock markets in Europe and the United States have fallen sharply in response to further signs that the debt crisis in Greece is intensifying and could spread to other countries. Share prices in New York, London, Frankfurt and Paris fell by more than 2％ after a major international credit rating agency Standard & Poor’s downgraded Greek debt to a level known informally as junk.
Standard & Poor’s downgraded its assessment of Greek bonds to the so-called junk status because of the growing danger that the bond holders will not be paid back in full. Many big investment funds have rules that forbid them from holding junk bonds, says the move is likely to trigger a further round of selling. Share markets have taken fright, fearing that if Greece does default on its debts, it would hit many European banks which hold Greek bonds and could trigger a wider financial crisis. Already pressure is mounting on Portugal which has also seen its credit rating downgraded today, although it remains above junk status. -
第13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14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15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16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17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18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19题：
资料：No credit，bad credit Hear the terms often enough and they can blur together.These credit statuses aren’t one and the same，though.
Whether you have no credit or bad credit，one thing’s for sure：You don’t have good credit.And without good credit，you’ll face an uphill battle any time you apply for a loan or credit card.
Potential lenders will want to know that you will almost certainly repay any money that you borrow.They likely won’t risk loaning money or extending credit to those whose creditworthiness is a big question mark or，worse，who have a track record of poor money management.
If you fall into either of these categories，it’s smart to focus on raising your credit scores.
If you have no credit score，you don’t have a credit history.If you have bad credit，it’s likely that you’ve mishandled credit in the past.And these two less-than-ideal credit standings require different solutions.
If you fall in the no-credit category，you haven’t necessarily made any financial mistakes.In this case，a good way to start building that history is to acquire a credit card for people with no credit.Secured credit cards （which require a security deposit）or college student credit cards are typically the easiest to qualify for if you have no credit.A credit-builder loan can also help you establish credit.
Bad credit can be a result of financial missteps，including missing payments，defaulting on loans，or having accounts sent to collections.If you fall into this category and need credit，you’ll need to look for a bad-credit credit card.A secured card or credit-builder loan is a good option in this situation，as well.You also may qualify for a bad-credit personal loan.If you still have open accounts，pay down the balances but don’t close credit accounts if you can avoid it.
People with no credit are just starting to build their financial reputation，while those with bad credit are doing damage control.
Moving from one of these less desirable situations to a good credit standing may use different tools，but the method is much the same： Make your payments on time and keep your debt low.It takes diligence and dedication，but it can be done.
The solution（s） for Bad-credit could be______.A.having accounts sent to collections.
B.looking for a no-credit credit card.
C.paying down the balance.
D.closing your credit accounts.答案：B解析：本题考查的是细节理解。
【关键词】solution（s） for Bad-credit
【主题句】倒数第3自然段Bad credit can be a result of financial missteps，including missing payments，defaulting on loans，or having accounts sent to collections.If you fall into this category and need credit，you’ll need to look for a bad-credit credit card.A secured card or credit-builder loan is a good option in this situation，as well.You also may qualify for a bad-credit personal loan.If you still have open accounts，pay down the balances but don’t close credit accounts if you can avoid it.不良信用可能是由于财务失误造成的，包括错过付款，拖欠贷款或账户被银行托收。如果您属于此类别且需要信用，您将需要查找信用不良的信用卡。在这种情况下，担保卡或信用建设者贷款也是一个不错的选择。您也可能有资格获得不良信用的个人贷款。如果您仍有未结账户，请即时支付余额，但如果可以避免，不要关闭信用账户。
【解析】本题的问题是“不良信用的解决方案可能是_______”A选项“账户被银行托收”；B选项“寻找无信用的信用卡”；C选项“支付余额”；D选项“关闭您的信用账户”。根据题目中关键词找到主题句，A选项是导致不良信用的缘由，而非解决方案，故错误；B选项与题干“寻找信用不良的信用卡”相符，故正确；必须在有未结账户的前提下，选择支付余额，C选项缺少限制条件，故错误；D选项与题干“不要关闭信用账户”相矛盾，故错误。故选B。 -
第20题：
资料：No credit，bad credit Hear the terms often enough and they can blur together.These credit statuses aren’t one and the same，though.
Whether you have no credit or bad credit，one thing’s for sure：You don’t have good credit.And without good credit，you’ll face an uphill battle any time you apply for a loan or credit card.
Potential lenders will want to know that you will almost certainly repay any money that you borrow.They likely won’t risk loaning money or extending credit to those whose creditworthiness is a big question mark or，worse，who have a track record of poor money management.
If you fall into either of these categories，it’s smart to focus on raising your credit scores.
If you have no credit score，you don’t have a credit history.If you have bad credit，it’s likely that you’ve mishandled credit in the past.And these two less-than-ideal credit standings require different solutions.
If you fall in the no-credit category，you haven’t necessarily made any financial mistakes.In this case，a good way to start building that history is to acquire a credit card for people with no credit.Secured credit cards （which require a security deposit）or college student credit cards are typically the easiest to qualify for if you have no credit.A credit-builder loan can also help you establish credit.
Bad credit can be a result of financial missteps，including missing payments，defaulting on loans，or having accounts sent to collections.If you fall into this category and need credit，you’ll need to look for a bad-credit credit card.A secured card or credit-builder loan is a good option in this situation，as well.You also may qualify for a bad-credit personal loan.If you still have open accounts，pay down the balances but don’t close credit accounts if you can avoid it.
People with no credit are just starting to build their financial reputation，while those with bad credit are doing damage control.
Moving from one of these less desirable situations to a good credit standing may use different tools，but the method is much the same： Make your payments on time and keep your debt low.It takes diligence and dedication，but it can be done.
How to establish credit if you fall into the no-credit category？A.To have a credit-builder loan
B.To acquire secured credit cards（which require a security deposit） or college student credit cards
C.To acquire a credit card
D.All of above答案：D解析：本题考查的是细节理解。
【关键词】establish credit；fall into the no-credit category
【主题句】第6自然段If you fall in the no-credit category，you haven’t necessarily made any financial mistakes.In this case，a good way to start building that history is to acquire a credit card for people with no credit.Secured credit cards （which require a security deposit）or college student credit cards are typically the easiest to qualify for if you have no credit.A credit-builder loan can also help you establish credit.如果您属于无信用类别，则不一定是出现了什么财务问题。在这种情况下，对于无信用的人来言，创建信用记录的一种好方法是获取信用卡。如果您没有信用卡，通常最容易获得安全信用卡（需要保证金）或者大学生信用卡资格。信贷建设者贷款也可以帮助您建立信贷。
【解析】本题的问题是“如果你属于无信用类别，如何建立信用？”A选项“获得信贷建设者贷款”；B选项“获得有担保的信用卡（需要保证金）或大学生信用卡”；C选项“获得信用卡”；D选项“以上皆是”。根据主题句，建立信贷可以通过拥有获得信用卡、安全信用卡（需要保证金）、大学生信用卡或者信贷建设者贷款方式，故选D。 -
第21题：
No credit will be offered（）you place an order for more than 40.000 units.
A after
B when
C if
D unless
B
略 -
第22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23题：
单选题It is not necessary to carry cash instead of dollar travellers’ cheques because the latter can be ______.Aused for phones, bus fares and hotel reservations
Bused to pay in restaurants and big stores
Cused like credit cards, even in remote areas
Dexchanged easily, even at car rental companies
正确答案： D解析：
A“用于打电话、付车费和预订旅馆”，C“在酒店和大商场中使用”，D“兑换很方便，即使是在汽车租赁处”。题干问的是“没必要携带现金，而是使用旅行支票的原因”。文章第三段倒数第三句说“…use them(checks)instead to pay for meals，supermarket purchases or whatever. ”，可知支票可以用于支付旅馆和商店的费用。故选B。 -
第24题：
单选题Which of the following statements is TRUE? ______.ACredit cards have more advantages than travellers’ cheques.
BDollar bills are as convenient as credit cards.
COne-cent coins have been withdrawn from circulation.
DYou can increase your credit limit as you like.
正确答案： A解析：
B“现金会比信用卡好用”、C “一美分硬币已经不流通”与文中意思相矛盾，D.“你可以随意增加信用卡额度”在原文中没提到。由文章最后一段第一句话“Credit cards can be even more valuable than travellers’ cheques… (信用卡比旅行支票更有价值)”，可知信用卡比旅行支票更具价值，这与A项表述一致。