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＄50 in 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.

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.

2. The underlined part “come in handy” in the third paragraph probably means “_______”.

A. bring trouble          B. make mistakes       C. be important        D. be useful

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.

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.

 

【答案】

 

1.C

2.D

3.A

4.C

【解析】

試題分析： 本文敘述了一項(xiàng)關(guān)于學(xué)生使用信用卡的調(diào)查。據(jù)調(diào)查84%的大學(xué)生有信用卡，到他們畢業(yè)時(shí)，已累計(jì)負(fù)債4100美元，在他們?nèi)〉玫娜魏螌W(xué)生貸款之上。信用卡有很多優(yōu)點(diǎn)比如增加你的信用度，但學(xué)生應(yīng)該讀清條款慎重使用。

1.推理判斷題。根據(jù)“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.”學(xué)生用信用卡貸款位于諸如此類的貸款之上�？芍蠖鄶�(shù)學(xué)生貸款來(lái)自信用卡。故選C。

2.詞義猜測(cè)題。根據(jù)本句前半部分“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,”從長(zhǎng)遠(yuǎn)看來(lái)，適當(dāng)?shù)剡\(yùn)用信用卡并及時(shí)償清余款，能幫助建立卡歷史并增加你的信用評(píng)分�？芍�(dāng)你需要一個(gè)重要貸款時(shí)這能有用。故答案選D。

3.細(xì)節(jié)理解題。根據(jù)“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. ”A

4.本段敘述的是信用卡是一個(gè)無(wú)法改變的事實(shí)，從長(zhǎng)遠(yuǎn)來(lái)看，恰當(dāng)?shù)厥褂眯庞媚軒椭ń⒖v史，增加信用評(píng)分，這在你需要重要貸款時(shí)將會(huì)派上用場(chǎng)。信用卡甚至能影響一些不相干的事，比如保險(xiǎn)費(fèi)率。與借記卡相比信用卡能為使用者提供更多保護(hù)。這些都是使用信用卡的優(yōu)勢(shì)，故答案選C。

考點(diǎn)：社會(huì)現(xiàn)象類短文閱讀。

 

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