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If the balance of the credit card is not fully settled, the cardholder will have to pay a compound interest on the outstanding amount.A．RightB．WrongC．Doesn't say

题目

If the balance of the credit card is not fully settled, the cardholder will have to pay a compound interest on the outstanding amount.

A．Right

B．Wrong

C．Doesn't say

相似考题

1.“I don’t have much money。”he’d say．“I need to _________my schoolloans．”A．pay outB．pay backC．pay downD．pay for

2.听力原文：Each month the cardholder receives a statement from the bank, which lists the details of all the transactions in the month, together with the total amount outstanding.(4)A．Each month the cardholder receives a statement and the amount of all the transactions.B．Each month the bank gives the cardholder a statement showing the total amount outstanding.C．Each month the bank gives the cardholder a statement showing the compound interest.D．Each month the bank gives the cardholder a statement showing any minimum amount that needs to be paid.

3.The commercial banks mentioned in the passage can not have any other trade with companies except the credit action.A．RightB．WrongC．Doesn't say

4.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

更多“If the balance of the credit card is not fully settled, the cardholder will have to pay a compound interest on the outstanding amount.A．RightB．WrongC．Doesn't say”相关问题

  • 第1题：

    As some treasury bills do not actually pay interest, they are not attractive to investors.

    A．Right

    B．Wrong

    C．Doesn't say


    正确答案：B
    解析：第二段开始明确提及Treasury bills are attractive to investors…。

  • 第2题：

    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.


    正确答案：C
    解析：单句的意思为“如果您丢失了这张卡，您得尽快通知我们，我们将让别人无法使用您的卡。”可见说话者应为信用卡公司。

  • 第3题：

    Banks in international lending face the risks common to all banks: liquidity risk, interest rate risk, credit (asset) risk, and contingent liabilities risk.

    A．Right

    B．Wrong

    C．Doesn't say


    正确答案：C
    解析：文章通篇提及银行面临的三类风险，并加以举例，并没有提及Banks in international lending。

  • 第4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5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6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7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8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.

    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10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11题：

    英译中：How would you like to pay, by credit card or in cash?


    正确答案:请问您要怎么付款，刷卡还是付现金？

  • 第12题：

    单选题
    How does the woman want to pay?
    A

    By cheque

    B

    In cash

    C

    By credit card


    正确答案： B
    解析： 录音最后女士提到”我能用信用卡支付吗，我没带支票簿”，男士给予了肯定回答，因此选C。
    【录音原文】
    Conversation 2
    　　M:Hello. Can I help you?
    　　W: Yes, I’d like to go on a sailing holiday this summer in Italy.
    　　M:Have you been sailing before?
    　　W: No. I wanted to go sailing in Sweden last year, but I didn’t have enough money.
    　　M:Well, it’s quite expensive. Sailing holidays start at about ￡300.
    　　W: Yes, my friends went in August last year. They paid ￡450 each. The most I can pay is ￡380.
    　　M:Well, that should be enough.
    　　W: When’s the cheapest time to go?
    　　M:Well, August is the most expensive month. September and October are cheaper.
    　　W: October’s too late for me, so I’ll go in September.
    　　M:Would you like to sail on the sea or a lake?
    　　W: Well, I’d prefer a lake in the mountains.
    　　M:OK. The Aqua Center in north Italy will be best for you. That costs ￡370.
    　　W: OK. Can I pay by credit card? I haven’t got my cheque book.
    　　M:Yes, that’s fine.

  • 第13题：

    阅读短文，判断句子正误，正确的写T，错误的写F。

    Save Money by Understanding Why You Spend It

    To save money, you simply need to spend less than you earn. It is easy to say, but why is' it so difficult to do? To answer this question, you need to study the factors that keep you spending all the time.

    Easy access to credit

    For most people, this is the biggest reason for overspending. People can easily get a credit card, simply by filling out a short form. in a bank or jumping on their website. They can borrow money from banks to go shopping, even buy cars or houses. When you aren't physically handing someone money or a check for a purchase, you will feel you are spending free money or you aren't spending money at all. Try using cash to get your spending under control.

    Misusing credit cards

    A credit card is an interest free short-term loan. When used as planned, this can be a powerful financial tool. The problem is when you begin to let the balance continue from month to month. If you make a $200 purchase on your credit card and find out that at the end of the month you can't afford to repay the full amount, this is when the high interest rates on the cards really begin to hurt you. That is no way of saving money.

    Giving in to temptation

    We all need to enjoy life, but don't waste your financial future for a few guilty pleasures today if they aren't in your budget. When you know that you can't afford an activity, don't give in. Instead, invite your friends over for a home dinner party, game night, or some other activities where you can still enjoy time together, but without breaking your budget.

    ( ) 26. For most people, easy access to credit is the biggest reason for overspending.

    ( ) 27. Using credit card is an effective way to get your spending under control.

    ( ) 28. You have to pay for the credit card loans by the end of each month.

    ( ) 29. Using a credit card to pay is spending free money.

    ( ) 30. Always pay attention to your budget while spending.


    T TF F T

  • 第14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15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16题：

    Each month the credit cardholder will receive a statement from the bank showing the details of the transactions excluding the total amount outstanding.

    A．Right

    B．Wrong

    C．Doesn't say


    正确答案：B
    解析：从第三段第一句Each month the cardholder receives…together with the total amount outstanding and any minimum amount that needs to be paid．容易得出。

  • 第17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 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19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.

    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21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22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23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

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