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
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 expenses
B．stock exchange
C．plane expenses
D．restaurant expenses
相关考题：
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
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.
— Do you think I could borrow these magazines?— _______A.No, you can’t.B.You could borrow other magazines.C.The magazines aren’t here now.D.I’m sorry, but the magazines you want are out.
— _______________? — That’s a good idea.A、When can you write the invitationsB、What do you think of the invitationsC、Why don’t you write the invitations nowD、Why not you write the invitations now
－ I am leaving for Harbin tomorrow. Do you want to go with me?－ (). A、Have a good time.B、Thank you. I'd love to.C、I have no idea.D、Not at all.
根据下列内容，回答211-215题。A house is the most expensive thing most people will ever buy．Very few people have enough money of their own to buy a house，so they have to borrow money from a bank．Borrowing moneyfrom a bank to buy a house is called“take a mortgage”．The bank usually lends money or gives a me．gage for twenty—five years．Houses are so expensive that many people nowadays have to borrow as much as$50，000．In other words，they will have a$50，000 mortgage．How can you get a mortgage? When you find a house you like．you go to a bank．The bank will research you financial history and decide if they think you are a good risk．They will want to know what kind of job you have，what kind of salary you make and how long you have had the job．They will a]so want to know how much money you have．In addition．the banks will require a down payment．Depending Oil which state you live in，the bank may require as much as 30%of the price of the house as a down payment．The bank will then lend you the rest of the money to buy the house.Many people are never able to buy a house because they can not save enough money for thedown payment．What does a house mean in the United States．? __________A.It is a dream which many people can hardly realizeB.It is so expensive that many people can not really buy themC.It is the most important property that many people try to buyD.It doesn’t belong to people if they can not borrow morley from the bank
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 accountsB.suggest ways for people to keep good credit recordC.present a concern about people’s bad credit nowadaysD.explain the differences between no-credit and bad credit
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.
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
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 loanB.To acquire secured credit cards（which require a security deposit） or college student credit cardsC.To acquire a credit cardD.All of above
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 categoriesB.How no credit and bad credit are differentC.How no credit and bad credit are similarD.All the above have been discussed in the passage
共用题干Making Yourself a Good RecordIf you are an American and you think you might need to borrow money someday,the best thing to do is start early.That'S because just as many employers want to hire only people with experience,banks and other creditors are usually reluctant to lend to those________(51)a proven track record of paying back, _________(52)time,the money they have borrowed.But if you need experience just to get a start,how do you get that start in the first place?With a little help from your parents usually,while you are still financially dependent_________(53) them.It is easy to get a credit card or student loan when you are in college,because banks figure your parents will bail you out if you fail to pay.So just as students take on internships to build up their resumes,one's university time can be a goodtime to work on another important personal record:the credit _________(54).Credit reports are a_________(55)of one's personal credit history,gathered by a credit reporting agency,or CRA.Banks and companies一___________(56)hospitals,landlords and insurance companies一regularly report to the three main CRAs in the US__________(57)how their customers are doing at paying back the money they ________(58).Anyone with a"legitimate business need"has the right to order individuals'reports from the CRAs. Potential creditors usually compile the information in'the reports into a credit"score",ranking the level ofcreditworthiness.Lack of experience in borrowing in__________(59)to a bad record of doing so,can result in a low score.Even if you are not considering taking out a loan for such a large purchase as a home or car,your credit report can be important to getting through life.Landlords often ask for the reports to judge________(60 )a person can be trusted to pay the rent. Credit checks are necessary for getting a credit card,even for pur-chasing a mobile phone calling plan.People can obtain a copy of their own credit report,usually __________(61)a cost of around US $8—9.Some consumer organizations recommend doing this once a year to allow one to catch any mistakes __________(62)have slipped into the record or,even worse,to find out whether any fraud has taken place.Though the system is controlled by laws __________(63)to protect people's privacy it isn't fool-proof: sometimes people take out bad loans in others'names,________(64)their records. In a society addicted________(65)credit,that can be a disaster._________(60)A:thatB:whetherC:whatD:either
Do you have any plan this year?（）AHow about you?BI plan to go to the United States for further studies.CYes, I will.DI'm certainly not going to do that kind of thing.
Wise buying is a positive way in which you can make your money go further. The （）you go about purchasing an article or a service can actually （）you money or can add （）the cost. Take the （）example of a hairdryer. If you are buying a hairdryer, you might （）that you are making the （）buy if you choose one （）look you like and which is also the cheapest （）price. But when you get it home you may find that it （）twice as long as a more expensive （）to dry your hair. The cost of the electricity plus the cost of your time could well （）your hairdryer the most expensive one of all. So what principles should you （）when you go out shopping? If you （）your home, your car or any valuable （）in excellent condition, you’ll be saving money in the long （） Before you buy a new （）,talk to someone who owns one. If you can, use it or borrow it to check it suits your particular （） Before you buy an expensive （）,or a service, do check the price and （）is on offer. If possible, choose （）three items or three estimates.请在第（）处填上正确答案。A、runB、intervalC、periodD、time
单选题Do you have any plan this year?（）AHow about you?BI plan to go to the United States for further studies.CYes, I will.DI'm certainly not going to do that kind of thing.