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
题目
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.
相似考题
更多“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”相关问题
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第1题：
听力原文：A smart card is a secure, portable, tamper-resistant data-storage device.
(6)
A．Smart card is light but can resist shock.
B．Smart card is convenient, safe and durable.
C．Smart card is the exact size of a credit card.
D．Smart card contains a computer with as much power as the original minicomputer.
正确答案：B
解析：单句意思为“智能卡是一种安全、便携且防损的数据存储工具”。A、C、D三项内容在录音单句中并未提及。 -
第2题：
( ) your credit card into the ATM, input the right code and then you can get the money.A.put
B.take
C.raise
D.insert
正确答案：D
-
第3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：
共用题干
第二篇
Credit Card Only Works When Spoken To
A credit card that will not work unless it hears its owner's voice could become an
important weapon in the fight against fraud（欺骗）.
The card requires users to give a spoken password that it recognizes using a built-in
voice-recognition chip.The idea is to prevent thieves using a stolen card or fraudsters using
someone else's credit card details to buy goods online.
A model built by engineers at Beepcard in Santa Monica,California,represents the
first attempt to pack a microphone,a loudspeaker,a battery and a voice-recognition chip
into a standard-sized credit card.
They are not quite there yet:the card is the length and width of an ordinary credit card,
but it is still about three times as thick.The company now plans to make it thinner.
The voice card is based on an earlier Beepcard technology designed to prevent fraud in
online transactions.This earlier card has no microphone,but has a built-in loudspeaker
that it uses to " squawk"（发出叫声）a voice ID signal via a computer's microphone to an
online server.
By verifying（证实）that the signal matches the card details,the server can establish
that the user is not simply keying in a credit card number but actually has the card to hand.
The ID code changes each time the card is used in a pre-ordered sequence that only the server knows.
This prevents fraudsters recording the beeps, noting the card details and then playing
back the audible ID when they key in the details later.But this earlier technology cannot
prevent fraudulent use of stolen cards.The new one can.
The new voice card also identifies itself by its ID squawk,but it will not do this until it
has verified the legitimate（合法的）user's spoken password. Thieves will be unable to use
the card because even if they knew the password they would have to be able to copy the
owner's voice with a high degree of accuracy.
The challenge for Beepcard has been to develop voice-recognition and audio circuitry
that can be powered by a mini battery embedded（嵌入的）in a credit card. To maximize
battery life,the electronics are only switched on when the card is being used.Pressing a
button on the card's surface prompts it to utter "Say your password" in female voice.If the
voice-recognition software proves that the password is authentic（真实的）,it sends its ID
squawk which the server then identifies,allowing the transaction to proceed.The voice credit card is an important invention because
A:it can be made cost-effectively.
B:it can leave voice messages.
C:it makes online shopping easy.
D:it makes fraud difficult.答案：D解析： -
第7题：
November 26th
ID: 733185
Dylan Brown
World Travel Inc.
8840 Mayfair Ave.
London, UK
Mr. Brown,
We were unfortunately unable to process your last monthly donation to SaveTheYouth because of an
authorization issue with your company's credit card. Please confirm your credit card number in the space below and return this letter in the enclosed response envelope, or call us toll-free at 1-800-555-9090.
Confirmation of credit card information:
Card Number: _______________________________
Expiration Date: ______________/________________
We would like to take this opportunity to thank you for supporting SaveTheYouth. By donating, your company
is helping us pursue our vital mission of protecting children and young people the world over. The youth are our future, but millions suffer from malnutrition and are lacking in medical care, education, drinkable water and adequate public health while in the Western world we have an excess of material items and an embarrassment of riches. With your monthly donation, you are helping and protecting the lives of young people in over 150 countries.
We appreciate your company’s help. Together, we are working to create a better world.
With Regards,
Doreen Ensan
Program Director
SaveTheYouth
What is Doreen's main purpose in writing this letter?A. To note that Mr. Brown's last payment couldn't be processed
B. To re-confirm his credit card information for safety
C. To thank him for supporting SaveTheYouth
D. To explain SaveTheYouth's mission答案：A解析： -
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.
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：
May I use my credit card here?（）
AYou can't.
BNo one uses it.
CI am afraid you can't.
DWho told you?
C
略 -
第12题：
填空题If your credit(信誉) is good, you will be allowed (use) ____ the credit card.正确答案： to use解析：
本题考查固定搭配。句意：如果你信誉良好，你就可以使用信用卡。sb. be allowed to do sth.表示“某人被允许做某事”。故填入to use。 -
第13题：
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.
正确答案：C
解析：单句意思为“此信用证的持有者可以在任何一家加盟的商店用此卡购物而无需用现金。” -
第14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15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：
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.
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Practice 4 The regulations make it safer for you to use your credit card for shopping on the Internet or over the phone. If someone else makes dishonest use of your credit card, you can cancel the payment and the card issuer(发卡机构) must refund the money to your account. The card issuer will want you to tell them as soon as possible if your card has been lost or stolen or if you find out that someone has used your card details dishonestly.正确答案：
【参考译文】
这些规章制度可以保证你在使用信用卡进行网上购物或电话购物时更安全。如果别人冒用你的信用卡进行交易,你可以取消支付,发卡机构一定会把钱退还到你的账户。如果你的信用卡丢失或被盗,或是你发现有人盗用了你的信用卡的详细信息时,发卡机构希望你能及时告知他们。解析：
①shopping on the Internet or over the phone直接译为“网上购物或者电话购物”。
②makes dishonest use of中的dishonest，原意为“不诚实的”，此处译为“盗用，冒用”。
③refund退还，偿还。句意：把钱退还到你的账户。
④someone has used your card details dishonestly译为“有人盗用了你的信用卡的详细信息”。