单选题Which of the following statements is TRUE? ______.A Credit cards have more advantages than travellers’ cheques.B Dollar bills are as convenient as credit cards.C One-cent coins have been withdrawn from circulation.D You can increase your credit limit as you like.

考题 Online banking refers to banking activities that are carried out over the Internet on a secure website. It developed in the late 1990s and grew more popular over the years since it can make one’s financial life much easier to manage. First, you can use online banking to pay your bills. Most banks have a section in which you set up payees. Fill out the information once, you can simply choose that profile every time you pay a bill online. Second, online banking allows you to access your account history and transactions from anywhere. It is the quickest way to check and see if a transaction has cleared your account. It also enables you to find out about unauthorized transactions more quickly. Third, online banking also allows you to transfer money between accounts effectively. It is more convenient than using the automated phone service. When you set up your online banking, be sure that all of your accounts at the bank are listed. This will make it easier to transfer money and make loan payments online. ? Obviously, you need to pay special attention to your safety or privacy using online banking. It is important to clear your cookies after each banking session, especially at a public computer. Additionally, make sure that your password is long enough to prevent it from easily being hacked. Never give your online account information to anyone else. Check your credit report regularly. Thus you can protect yourself from identity theft.1. Online banking refers to banking systems where you can carry out your business over the Internet on any website.()2. Most banks have a section in which you set up your own business.()3. Online banking is the quickest way to check and see if a transaction is done.()4. It is more useful and easier than using the automated phone service.()5. No doubt, you have to keep a special eye on your safety or privacy using online banking.()

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考题 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

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考题阅读短文，判断句子正误，正确的写T，错误的写F。Save Money by Understanding Why You Spend ItTo 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 creditFor 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 arent physically handing someone money or a check for a purchase, you will feel you are spending free money or you arent spending money at all. Try using cash to get your spending under control.Misusing credit cardsA 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 cant 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 temptationWe all need to enjoy life, but dont waste your financial future for a few guilty pleasures today if they arent in your budget. When you know that you cant afford an activity, dont 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.

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考题听力原文：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.

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考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 expensesB．stock exchangeC．plane expensesD．restaurant expenses

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考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.

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考题 If you are staying in the UK for more than 6 months, it may be useful to open a UK bank account. There are a lot of advantages of having a UK current (checking) account:Paying billsMany landlords prefer to collect rent directly from a bank account.You may be able to obtain cheaper services if you pay bills directly from a bank account，e. g. telephone, gas/water/electricity.If you are given a chequebook, you can also write cheques as a safe way of paying for things.CashYou can easily obtain money from cash machines，or pay directly from your account using a debit card(借记卡).Saving moneyIt is generally cheaper to use a UK account than it is to pay by credit card(信用卡)or withdraw (提取) cash from a foreign bank.EmploymentIf you work in the UK，some employers require you to have a bank account so that you can get your pay.Advantages of UK Current AccountPaying bills： 1) to pay rent directly from ①2) to obtain ② services3) to pay for things with cheques safelyCash：1)to obtain money from ③ easily21 to pay directly from your accountSaving money：cheaper to use a ④ accountEmployment：to get your ⑤ through a bank account

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考题听力原文：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.

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考题 What can be inferred from Sal Guatieri's comments?（）[A] House sales worsened other sectors of the economy.[B] House sales resulted in the worsened credit crunch.[C] The credit crunch worsened the whole economy.[D] Mortgage applications have been falling for 6 years.

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考题 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

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考题 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

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考题 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

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考题 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．

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考题 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．

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考题 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

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考题 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．

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考题资料：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

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考题资料：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.

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考题资料：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

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考题资料：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

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考题资料：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

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考题 No credit will be offered（）you place an order for more than 40.000 units.AafterBwhenCifDunless

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考题 You need to generate a list of all customer last names with their credit limits from the CUSTOMERS table. Those customers who do not have a credit limit should appear last in the list. Which two queries would achieve the required result?（）A、SELECT cust_last_name, cust_credit_limit FROM customers ORDER BY cust_credit_limit DESCB、SELECT cust_last_name, cust_credit_limit FROM customers ORDER BY cust_credit_limitC、SELECT cust_last_name, cust_credit_limit FROM customers ORDER BY cust_credit_limit NULLS LASTD、SELECT cust_last_name, cust_credit_limit FROM customers ORDER BY cust_last_name, cust_credit_limit NULLSLAST

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考题问答题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.

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考题单选题A: OK, how would you like to pay?　　B: ______A Do you take credit cards?B I’m looking for a sweater.C That’s nice. Can I try it on?D Thank you. I’ll have it.

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考题单选题It is not necessary to carry cash instead of dollar travellers’ cheques because the latter can be ______.A used for phones, bus fares and hotel reservationsB used to pay in restaurants and big storesC used like credit cards, even in remote areasD exchanged easily, even at car rental companies

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考题单选题Which of the following statements is INCORRECT?A Stock markets in Europe and America have dropped considerably.B There may be a wider financial crisis in case of Greek default.C A further round of selling has been under way.D Portugal has seen credit rating downgraded.

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更多 “单选题Which of the following statements is TRUE? ______.A Credit cards have more advantages than travellers’ cheques.B Dollar bills are as convenient as credit cards.C One-cent coins have been withdrawn from circulation.D You can increase your credit limit as you like.” 相关考题

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