Question

【题目】

You arrive at the mall anxious to buy your favorite CD or the coolest computer game. Nothing will stop you, not even the price — even if you don't have enough money, Mom or Dad will use a credit card(信用卡) to pay. But wait! Is using a credit card really that simple? There are some things you should know about using credit cards before you go shopping.

【1】Credit card companies lend you money, which you are expected to pay back. They don’t lend you money just to be nice, however. In fact, they make billions of dollars this way.

You spend 45 dollars buying a pair of jeans on a credit card, then about a month later, the credit company sends you a bill for 45 dollars.【2】But what if you can’t pay the whole bill? Usually, you are allowed to pay part of it. Let’s say you pay $10 the first month. Now the credit card company begins to get money from you. They charge extra money, called interest(利息), on whatever part of the money you didn't pay.

Now the $35 you still have on your bill begins to grow. Even if you don’t buy anything more, by the time you get your bill the following month, you will have more than $35 to need paying back. And every day, interest keeps adding up.【3】

But the good news is that a credit card is convenient. 【4】Besides, the credit card companies also offer extra services. For example, if something you bought online with your card stops working in a short time, the company may give your money back.

【5】They spend more money than they can afford to pay back. Knowing how to use credit wisely will be necessary and help you to be a smart shopper.

A. It is sometimes the only way to pay when you shop over the Internet.

B. You'd better borrow money from friends instead of using a credit card.

C. Using a credit card is a way of borrowing money to buy things.

D. Some people get themselves in trouble with credit cards.

E. If you pay the whole 45 dollars back right away, it won't cost you anything.

F. So actually those jeans will end up costing you more than $ 45.

G. I always believe money is not everything.

Answer 1

【答案】

【1】C

【2】E

【3】F

【4】A

【5】D

【解析】

当你去商店卖你最喜欢的CD或者最酷的电脑游戏。什么都不能阻止你，甚至是价格，甚至于你没有足够的钱。你的父母会给你一张信用卡。那么用信用卡真的那么简单吗？本文介绍了一些信用卡使用方面的事。

【1】根据下文Credit card companies lend you money, which you are expected to pay back.可知信用卡就是你向信用卡公司借钱，然后还要还给他们。C. Using a credit card is a way of borrowing money to buy things.意为“使用信用卡就是一种借钱买东西的方式”。与本段意思相同。故选C。

【2】下句But what if you can’t pay the whole bill?中but表示转折，此句前讲述能还上信用卡的情况，而此句后讲述如果还不上怎么办。E. If you pay the whole 45 dollars back right away, it won't cost you anything.意为“如果你把45美元马上还了，就不会花费你任何东西”。此句是在说还上信用卡的情况。故选E。

【3】上段中Let’s say you pay $10 the first month.“第一个月先还10美元。”，you will have more than $35 to need paying back. “之后还的要超过35美元”因此可知这些牛仔裤的花费实际上是超过45美元的。F. So actually those jeans will end up costing you more than $ 45.意为“因此实际上这些牛仔裤最后会花费你超过45美元。”故选F。

【4】根据此段首句But the good news is that a credit card is convenient.可知此段主要讲述信用卡的好处。A. It is sometimes the only way to pay when you shop over the Internet.意为“如果你想网上购物有时候信用卡是仅有的方式。”故选A。

【5】根据They spend more money than they can afford to pay back. Knowing how to use credit wisely will be necessary and help you to be a smart shopper.可知此段讲述有些人花的太多还不起，因此要小心使用信用卡。D. Some people get themselves in trouble with credit cards.意为“一些人使用信用卡会陷入麻烦中。”故选D。