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If the balance of the credit card is not fully settled, the cardholder will have to pay a compound interest on the outstanding amount.
A．Right
B．Wrong
C．Doesn't say
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更多 “ If the balance of the credit card is not fully settled, the cardholder will have to pay a compound interest on the outstanding amount.A．RightB．WrongC．Doesn't say ” 相关考题
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“I don’t have much money。”he’d say．“I need to _________my schoolloans．”A．pay outB．pay backC．pay downD．pay for
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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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听力原文：Each month the cardholder receives a statement from the bank, which lists the details of all the transactions in the month, together with the total amount outstanding.(4)A．Each month the cardholder receives a statement and the amount of all the transactions.B．Each month the bank gives the cardholder a statement showing the total amount outstanding.C．Each month the bank gives the cardholder a statement showing the compound interest.D．Each month the bank gives the cardholder a statement showing any minimum amount that needs to be paid.
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The commercial banks mentioned in the passage can not have any other trade with companies except the credit action.A．RightB．WrongC．Doesn't say
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As some treasury bills do not actually pay interest, they are not attractive to investors.A．RightB．WrongC．Doesn't say
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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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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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听力原文：M: Some credit cards are called gold cards because they offer higher credit limits and lower interest rates.W: But the card holders should pay a significant annual fee, perhaps as high as ￡ 50.Q: What is the disadvantage for gold cards holders?(16)A．High credit limitsB．High annual fee.C．Low interest rates.D．Monthly statements.
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Banks in international lending face the risks common to all banks: liquidity risk, interest rate risk, credit (asset) risk, and contingent liabilities risk.A．RightB．WrongC．Doesn't say
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A credit card is a plastic card and the like to be used to obtain money, goods, or services and an overdraft is not allowed.A．RightB．WrongC．Doesn't say
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Normally, banks will set different credit limits on different customers' credit card ac counts.A．RightB．WrongC．Doesn't say
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Each month the credit cardholder will receive a statement from the bank showing the details of the transactions excluding the total amount outstanding.A．RightB．WrongC．Doesn't say
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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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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.
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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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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．
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．
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
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．
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
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.
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
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
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
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.
考题
单选题How does the woman want to pay?A
By chequeB
In cashC
By credit card
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