According to a study by SallieMae, 84 percent of undergraduate students have credit cards, and by the time they are seniors, they have accumulated US $ 4,100 in debt, on top of whatever student loans they may have taken out．
Credit cards are the most convenient form of payment, and they are aggressively marketed to college students．Reportedly, a typical college student carries 4．6 credit cards and US $ 3,173 in credit card debt．
Credit cards seem to be a fact of life, not just student life． In the long term,  using a credit card properly and paying off the balance can help establish a card history and increase your credit score, which will come in handy when you need an important loan, for a house or car, for example．Your credit score can affect even unrelated things like insurance rates．Credit cards also offer more protection for users than debit cards（借記卡）．Under federal law, the credit card holder is only responsible for the first US  $ 50in fraudulent（欺詐的） purchases in cases of theft or loss．However, debit card users are responsible for the first US $ 500．                                   
SallieMae found some good news in the fact that two thirds of students had discussed credit issues with their parents, but 84 percent said they needed more information．Those who didn't get any guidance were more likely to be surprised when they found out how much they owed．
While credit cards offer the easiest access to money, they make it easy to live outside your means．Less than a fifth of students surveyed paid off their balance every month, and carrying a balance brings finance charges, sometimes at a very high interest rates．
SallieMae found that almost 40 percent of students chose their first credit card based on direct mail, which is probably why students get credit card offers in the mail． But when the credit card offers flow in, be sure that you read the fine print．Offers of low or no interest rates can disappear, leaving you a debt that climbs beyond your ability to pay it off．
小題1:What does the first paragraph imply?
A．Most of the senior students are shocked to see how much they owed．
B．Students can only take out loans from credit cards．
C．Most of students' loans come from credit cards．
D．Credit cards have a bad effect on college students．
小題2:The underlined part "come in handy" in the third paragraph probably means “         ”
A．bring troubleB．make mistakes
C．be importantD．be useful
小題3:According to SallieMae, what is the possible reason why students get so many credit card offers in the mail?
A．Many students' first credit card is based on direct mail．
B．it costs the banks little to mail out credit cards．
C．Students don't like to go to the bank to open a credit card account．
D．Banks have no other way to let students use their credit cards．
小題4:What is the theme of the third paragraph?
A．The advantages of using debit cards．
B．The similarities between credit cards and debit cards．
C．The advantages of using credit cards．
D．Credit cards are the most convenient form of payment．
小題5:According to SallieMae, how many students had not discussed credit issues with their parents?
A．l/3B．2/3 C．l/4D．3/4

小題1:C
小題2:D
小題3:A
小題4:C
小題5:A 

試題分析：文章介紹的大學(xué)生之中使用信用卡的問題，除了一些好處，信用卡也會讓學(xué)生陷入債務(wù)之中。
小題1:細節(jié)題：從第一段的句子：84 percent of undergraduate students have credit cards, and by the time they are seniors, they have accumulated US $ 4,100 in debt, on top of whatever student loans they may have taken out．可知大部分畢業(yè)生的債務(wù)來自信用卡。選C。
小題2:猜詞題：句意是：當你需要貸款的時候，就可以使用信用卡了。選D
小題3:細節(jié)題;從最后一段的句子：SallieMae found that almost 40 percent of students chose their first credit card based on direct mail, which is probably why students get credit card offers in the mail．可知很多學(xué)生的第一個信用卡是郵寄來的。選A
小題4:細節(jié)題;從第三段的句子：using a credit card properly and paying off the balance can help establish a card history and increase your credit score, 可知這段講的是信用卡的好處。選C
小題5:細節(jié)題：文章倒數(shù)第三段的句子：SallieMae found some good news in the fact that two thirds of students had discussed credit issues with their parents,可以推斷出有三分之一的學(xué)生沒有和父母討論信用卡的事情。選A
點評：這篇文章還是有一定難度的，但對于細節(jié)題的考查很細致，學(xué)生在掌握大意后，只要關(guān)注一些細節(jié)，可以迅速抓住關(guān)鍵句子。
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