Question

Over 60 million persons in the United States own a credit card, which has had the effect of increasing consumption possibilities for households by allowing them to make heavy purchases without giving up a single dollar and coin for them. In fact, thousands of dollars of merchandise, ranging from autos, clothing, to electrical appliances (电器) are purchased by buyers through the credit card. Credit cards have also been of significant importance to the national economy. Businessmen have been encouraged to expand plant and equipment and hire additional personnel to meet the heavy demand for their products. The tendency  of employment and income would be to rise significantly (显著的).

Unfortunately, the ease with which buyers can increase their purchase with credit cards has caused them to overlook the additional costs. Purchases on credit cards are postponed payments.  Buy-now-and-pay-later encourages buyers to use credit cards extensively.  Since the buyer is in effect borrowing money for a specific purpose, he must expect to pay an interest charge. Interest is the price of using money over a long period of time. A close analysis of the use of credit cards for heavy purchases will show that the buyer has added to the cost of making these purchases. It must also be kept in mind that unpaid monthly balance means added interest charges. Furthermore, the use of credit cards will add to the cost of the product since the shopkeeper does not receive the money at the time of purchase. Shopkeeper might add on the cost of handing credits to the bill.

　　 1. This passage is mainly concerned with——.

　　　　   A. the cashless economy

　　　　   B. the cost of making payments by credit cards

　　　　   C. the advantages of credit cards

　　　　  D. the necessity of using credit cards

　　 2. According to the passage, which of the following is NOT true about the use of credit cards?

　　　　  A. It affects the level of employment and income.

　　  B. It is significant to the national economy.

　　　　  C. It stimulates people to buy more.

　　　　  D. It makes purchasing more complicated.

　　 3. Interest charges for the use of credit cards reflect——.

　　　　  A. the cost of owning a credit card

　　　　  B. the unpaid balance of a monthly bill

　　　　  C. the shopkeeper's cost of handling credit cards

　　   D. the price of using money for a long period of time

　　 4. The author of the passage implies that——.

　　　　  A. credit cards tend to raise interest charges

　　　　  B. buyers should not use credit cards at all

　　　　  C. buyers should make purchases with credit cards cautiously

　　　　  D. the use of credit cards reduces the consumption possibilities

 

Answer 1

答案：1B2D3D4C
解析：