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 fa

题目
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

相似考题

3.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“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. ”相关问题
  • 第1题:

    Relatively efficient market can usually provide information on the credit worthiness of a commercial bank.

    A.Right

    B.Wrong

    C.Doesn't say


    正确答案:B
    解析:文中倒数第二句Useful information…for most publicly held banks. 意指半强有效市场为绝大多数上市银行提供关于风险和收益相匹配的有用信息,而不是“半强有效市场能够提供关于商业银行信用价值的信息”。

  • 第2题:

    -Is it possible to find alternative payment terms for this order? -__________________________

    A I’m afraid not. We insist on a letter of credit. ;

    B No, I think the price is reasonable. ;

    C I can’t be of any help in this respect.


    参考答案:A

  • 第3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4题:

    A revolving credit commitment gives the borrower assurances of the availability of funds over unexpected period of tight credit in future years.

    A.Right

    B.Wrong

    C.Doesn't say


    正确答案:C
    解析:结合第二段第一、二句知,在获取贷款时间太长时,采取承诺贷款或者循环贷款是常用的方法,并没有如题中所说“未来不可知的信贷紧缩时期”。a commitment agreement承诺贷款,revolving credit循环贷款。

  • 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:

    Name a major advantage of a revolving L/C as compared with multiple L/Cs. ______.

    A.It saves bank charges

    B.It involves less charges

    C.The applicants for the credit wouldn't pay any commission

    D.The terms of the credit can be amended if necessary


    正确答案:A
    解析:循环信用证(revolving L/C)可避免银行多次重复开信用证,因而节约费用。applicant for the credit开证申请人。

  • 第7题:

    YouneedtogeneratealistofallcustomerlastnameswiththeircreditlimitsfromtheCUSTOMERStable.Thosecustomerswhodonothaveacreditlimitshouldappearlastinthelist.Whichtwoquerieswouldachievetherequiredresult?()

    A.SELECTcust_last_name,cust_credit_limitFROMcustomersORDERBYcust_credit_limitDESC

    B.SELECTcust_last_name,cust_credit_limitFROMcustomersORDERBYcust_credit_limit

    C.SELECTcust_last_name,cust_credit_limitFROMcustomersORDERBYcust_credit_limitNULLSLAST

    D.SELECTcust_last_name,cust_credit_limitFROMcustomersORDERBYcust_last_name,cust_credit_limitNULLSLAST


    参考答案:B, 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.

    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 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.

    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11题:

    共用题干
    Making Yourself a Good Record

    If you are an American and you think you might need to borrow money someday,the best thing to do is
    start early.
    That'S because just as many employers want to hire only people with experience,banks and other
    creditors are usually reluctant to lend to those________(51)a proven track record of paying back,
    _________(52)time,the money they have borrowed.
    But if you need experience just to get a start,how do you get that start in the first place?
    With a little help from your parents usually,while you are still financially dependent_________(53)
    them.It is easy to get a credit card or student loan when you are in college,because banks figure your
    parents will bail you out if you fail to pay.
    So just as students take on internships to build up their resumes,one's university time can be a good
    time to work on another important personal record:the credit _________(54).
    Credit reports are a_________(55)of one's personal credit history,gathered by a credit reporting
    agency,or CRA.
    Banks and companies一___________(56)hospitals,landlords and insurance companies一regularly report to
    the three main CRAs in the US__________(57)how their customers are doing at paying back the money they
    ________(58).
    Anyone with a"legitimate business need"has the right to order individuals'reports from the CRAs.
    Potential creditors usually compile the information in'the reports into a credit"score",ranking the level of
    creditworthiness.Lack of experience in borrowing in__________(59)to a bad record of doing so,can result
    in a low score.
    Even if you are not considering taking out a loan for such a large purchase as a home or car,your credit
    report can be important to getting through life.Landlords often ask for the reports to judge________(60 )
    a person can be trusted to pay the rent. Credit checks are necessary for getting a credit card,even for pur-
    chasing a mobile phone calling plan.
    People can obtain a copy of their own credit report,usually __________(61)a cost of around US
    $8—9.
    Some consumer organizations recommend doing this once a year to allow one to catch any mistakes
    __________(62)have slipped into the record or,even worse,to find out whether any fraud has taken place.
    Though the system is controlled by laws __________(63)to protect people's privacy it isn't fool-proof:
    sometimes people take out bad loans in others'names,________(64)their records.
    In a society addicted________(65)credit,that can be a disaster.

    _________(60)
    A:that
    B:whether
    C:what
    D:either

    答案:B
    解析:
    从意思上可以断定应该用without。雇主用工要求有工作经验的(with experience),银行 和其他借款人不愿意把钱借给没有还钱记录的人(without a...record of paying back)另外两个 介词on和by用法都不对。
    on time是个固定的表达方式,意思是“准时”,in time是“及时”。with time和by time这 里都不可能用。
    dependent后面只能跟on,表示“依赖······”的意思。of用在independent后面,意思正好 相反,是“不依赖······”的意思。另外两个介词都不用在dependent后面。
    依据上文这里需要的是一个名词,表示的是一种个人的记录,从下文的Credit reports are…我们得到提示,应该填入的是report。
    这里应该填入的是一个名词,这是毫无疑问的。个人的信用报告是个信用历史的归 纳。故应选summary。
    这里需要的是动词include的-ing分词形式。其他形式在语法上都不对。
    report在作不及物动词用时,后面的介词通常用on。其他的选项都不对。
    这里要注意几个选项在意义上的差别。own和owe在词形上很接近,很容易混淆,但意 思恰恰相反,own是“拥有”,owe是“欠”。这里的意思是“客户还钱的情况如何”所以应该选 owe。 possess和own同义,lend则是“借出”的意思。
    in addition to是个固定的短语,意思相当于beside, in contrast to的意思是“和······形成 对比”,in conclusion和in consequence都是短语,但后面不用to。
    这里动词judge后面有一个宾语从句,需要一个引导宾语从句的连接词,一般用 whether,表示“判断······是否······”。
    表示“花多少代价”英语里用at a cost of...,其他几个介词都不对。
    这里需要一个引导定语从句的词,由于先行词是mistakes,只能用that或which。
    这里需要的是一个修饰名词law的定语,说明什么样的法律,所以要用的不是一个谓语 动词,而是一个作定语的分词,在两个分词形式meant和meaning中应该选meant。
    这里的选择基于对句子意义的理解。本句意思是:有时有些人用别人的名义借钱不 还,这样做的结果必然是毁了别人的信用记录。
    这道题考的是addict这个词的用法,addict后面一定跟to , addict to的意思是“沉酒, 对······上瘾”。如:He is addicted to drugs.他对毒品上瘾了。

  • 第12题:

    单选题
    May I use my credit card here?()
    A

    You can't.

    B

    No one uses it.

    C

    I am afraid you can't.

    D

    Who told you?


    正确答案: C
    解析: 暂无解析

  • 第13题:

    A clean credit is one which ______.

    A.calls for no presentation of it

    B.is used instead of first demand guarantee

    C.is used without presentation of any documents

    D.is the same as an unconditional first demand guarantee


    正确答案:C
    解析:光票信用证是不附单据、受益人可以凭开立收据或汇票分批或一次在通知行领取款项的信用证。

  • 第14题:

    听力原文:What is it called if a letter of credit is issued for guarantee of performance rather than payment?

    (3)

    A.Back-to-back credit.

    B.Reciprocal credit.

    C.Documentary credit.

    D.Stand-by credit.


    正确答案:D
    解析:单句问的是“为了确保履行协议而非真正付款的信用证称为什么信用证?”,答案应为stand-by credit,即备用信用证。back-to-back credit背对背信用证。reciprocal credit互惠信用证。documentary credit跟单信用证。

  • 第15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16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:

    redound one’s credit(英译中)


    参考答案:增加某人的信誉

  • 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 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20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.

    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.

    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23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