【AccordingtoastudybySallieMae8-查字典问答网

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　　【AccordingtoastudybySallieMae84percentofundergraduatestudentshavecreditcardsandbythetimetheyareseniorstheyhaveaccumulatedUS＄4100indebtontopofwhateverstudentloanstheymayhavetakenout.Creditcardsaret】

　　AccordingtoastudybySallieMae84percentofundergraduatestudentshavecreditcardsandbythetimetheyareseniorstheyhaveaccumulatedUS＄4100indebtontopofwhateverstudentloanstheymayhavetakenout.

　　Creditcardsarethemostconvenientformofpaymentandtheyareaggressivelymarketedtocollegestudents.Reportedlyatypicalcollegestudentcarries4.6creditcardsandUS＄3173increditcarddebt.

　　Creditcardsseemtobeafactoflifenotjuststudentlife.Inthelongtermusingacreditcardproperlyandpayingoffthebalancecanhelpestablishacardhistoryandincreaseyourcreditscorewhichwillcomeinhandywhenyouneedanimportantloanforahouseorcarforexample.Yourcreditscorecanaffectevenunrelatedthingslikeinsurancerates.Creditcardsalsooffermoreprotectionforusersthandebitcards（借记卡）.UnderfederallawthecreditcardholderisonlyresponsibleforthefirstUS＄50infraudulent(欺诈的)purchasesincasesoftheftorloss.HoweverdebitcardusersareresponsibleforthefirstUS＄500.

　　SallieMaefoundsomegoodnewsinthefactthattwothirdsofstudentshaddiscussedcreditissueswiththeirparentsbut84percentsaidtheyneededmoreinformation.Thosewhodidn’tgetanyguidanceweremorelikelytobesurprisedwhentheyfoundouthowmuchtheyowed.

　　Whilecreditcardsoffertheeasiestaccesstomoneytheymakeiteasytoliveoutsideyourmeans.Lessthanafifthofstudentssurveyedpaidofftheirbalanceeverymonthandcarryingabalancebringsfinancechargessometimesataveryhighinterestrates.

　　SallieMaefoundthatalmost40percentofstudentschosetheirfirstcreditcardbasedondirectmailwhichisprobablywhystudentsgetcreditcardoffersinthemail.Butwhenthecreditcardoffersflowinbesurethatyoureadthefineprint.Offersoflowornointerestratescandisappearleavingyouadebtthatclimbsbeyondyourabilitytopayitoff

　　1.Whatdoesthefirstparagraphimply?

　　A.Mostoftheseniorstudentsareshockedtoseehowmuchtheyowed

　　B.Studentscanonlytakeoutloansfromcreditcards

　　C.Mostofstudents’loanscomefromcreditcards

　　D.Creditcardshaveabadeffectoncollegestudents

　　2.Theunderlinedpart“comeinhandy”inthethirdparagraphproba

1回答

2020-11-18 14:53

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李仲生

　　CDAC

　　分析：

　　本文叙述了一项关于学生使用信用卡的调查。据调查84%的大学生有信用卡，到他们毕业时，已累计负债4100美元，在他们取得的任何学生贷款之上。信用卡有很多优点比如增加你的信用度，但学生应该读清条款慎重使用。1.推理判断题。根据“84percentofundergraduatestudentshavecreditcardsandbythetimetheyareseniorstheyhaveaccumulatedUS＄4100indebtontopofwhateverstudentloanstheymayhavetakenout.”学生用信用卡贷款位于诸如此类的贷款之上。可知大多数学生贷款来自信用卡。故选C。2.词义猜测题。根据本句前半部分“Inthelongtermusingacreditcardproperlyandpayingoffthebalancecanhelpestablishacardhistoryandincreaseyourcreditscore”从长远看来，适当地运用信用卡并及时偿清余款，能帮助建立卡历史并增加你的信用评分。可知当你需要一个重要贷款时这能有用。故答案选D。3.细节理解题。根据“SallieMaefoundthatalmost40percentofstudentschosetheirfirstcreditcardbasedondirectmailwhichisprobablywhystudentsgetcreditcardoffersinthemail.”A4.本段叙述的是信用卡是一个无法改变的事实，从长远来看，恰当地使用信用能帮助卡建立卡历史，增加信用评分，这在你需要重要贷款时将会派上用场。信用卡甚至能影响一些不相干的事，比如保险费率。与借记卡相比信用卡能为使用者提供更多保护。这些都是使用信用卡的优势，故答案选C。

　　考点：

　　社会现象类短文阅读。

2020-11-18 14:55:20

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