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B
Foreign drivers will have a pay on-the-spot fines of up to ￡900 for breaking the traffic law to be carried our next month.
If they do not have enough cash or a working credit card, their vehicles will clamped（扣留）until they pay and they will face an additional fee of &80 for getting back their vehicles .
The law will also apply to British citizens ,The fines will be dcgcribed officially as “deposits” when the traffic law take effect ,takes effect ,because the money would be returned if the driver went to court and was found not guilty ,In practice, very few foreign drives are likely to return to Britain to deal with their eases.
Foreign drivers are rarely charged because police cannot take action against them if they fail to appear in court, Instead, officers often merely give warnings.
Three million foreign-registered vehicles enter Britain each year . Polish vehicles s make up 36 percent, French vehicles 10 percent and German vehicles 9 percent.
Foreign vehicles are 30 percent more likely tope in a crash than British-registered vehicles .The number of crashes caused by foreign vehicles rose by 47 percent between 2003 and 2008 .there were almost 400 deaths and serious injuries and 3,000 slight injuries from accidents caused by foreign vehicles in 2008.
The new law is partly intended to settle the problem of foreign lorry drivers ignoring limits on weight and hours at the wheel .Foreign lorries are throe times more likely to be in a crash than British Lorries. Recent spot checks found that three quarters of Lorries that failed safety teats were registered overseas.
The standard deposit for a careless driving offence —such as driving too close to the vehicle in front or reading a map at the wheel—will be ￡300. Deposits for speeding offences and using mobile phones will be ￡60. Foreign drivers will not get points as punishment added to their licenses, while British drivers will.
60. The first paragraph serves as a（n）
A. explanation B. introduction C. comment D. background.
参考答案
更多 “ BForeign drivers will have a pay on-the-spot fines of up to ￡900 for breaking the traffic law to be carried our next month.If they do not have enough cash or a working credit card, their vehicles will clamped（扣留）until they pay and they will face an additional fee of 80 for getting back their vehicles .The law will also apply to British citizens ,The fines will be dcgcribed officially as “deposits” when the traffic law take effect ,takes effect ,because the money would be returned if the driver went to court and was found not guilty ,In practice, very few foreign drives are likely to return to Britain to deal with their eases.Foreign drivers are rarely charged because police cannot take action against them if they fail to appear in court, Instead, officers often merely give warnings.Three million foreign-registered vehicles enter Britain each year . Polish vehicles s make up 36 percent, French vehicles 10 percent and German vehicles 9 percent.Foreign vehicles are 30 percent more likely tope in a crash than British-registered vehicles .The number of crashes caused by foreign vehicles rose by 47 percent between 2003 and 2008 .there were almost 400 deaths and serious injuries and 3,000 slight injuries from accidents caused by foreign vehicles in 2008.The new law is partly intended to settle the problem of foreign lorry drivers ignoring limits on weight and hours at the wheel .Foreign lorries are throe times more likely to be in a crash than British Lorries. Recent spot checks found that three quarters of Lorries that failed safety teats were registered overseas.The standard deposit for a careless driving offence —such as driving too close to the vehicle in front or reading a map at the wheel—will be ￡300. Deposits for speeding offences and using mobile phones will be ￡60. Foreign drivers will not get points as punishment added to their licenses, while British drivers will.60. The first paragraph serves as a（n）A. explanation B. introduction C. comment D. background. ” 相关考题
考题
The foreign drivers who break the traffic law and do not pay on the spot are likely to be forted up to .A. ￡60 B. ￡300 C. ￡900 D. ￡980
考题
We can learn from the passage that .A. many foreign drivers have been fined by Britain policeB. 300,000 German vehicles enter Britain every yearC. 25 percent of foreign vehicles entering Britain have failed safety testsD. British drivers will be punished with points and fines for breaking the traffic law
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
考题
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.
考题
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
考题
听力原文：W: How do you pay for your purchases with a credit card?M: Usually I sign a sales slip in the presence of the seller, and the signature is then compared to the signature on the card.Q: Where should the man sign when he pays for his goods with a credit card?(20)A．On his card.B．On the goods.C．On a sales slip.D．On the invoice.
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
考题
I( )at the same job for fifteen years, and one day I just woke up and said, "Enough!"
A、have been workingB、have workedC、had workedD、had been working
考题
The sentence "But we pay for our sensitivity." in the third paragraph implies that______.A) we should pay a debt for, our feelingB) we have to be hurt when We feel somethingC) our pain is worth feelingD) when we feel pain, we are suffering it
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
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
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
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．
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
单选题“Any leaks in piping, propeller shaft, machinery, tanks, will have to be repaired, or at least patched up temporarily until the next stop” This sentence means that （）.A
Any leaks in piping, propeller shaft, machinery, tanks, will have to be repaired on the spotB
Any leaks in piping, propeller shaft, machinery, tanks, will have to be repaired on the next port of callC
Any leaks in piping, propeller shaft, machinery, tanks, will have to be repaired until the next stopD
Any leaks in piping, propeller shaft, machinery, tanks, will have to be at least patched up
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