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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？
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
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
参考答案
参考解析
解析：本题考查的是细节理解。
【关键词】establish credit；fall into the no-credit category
【主题句】第6自然段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.如果您属于无信用类别，则不一定是出现了什么财务问题。在这种情况下，对于无信用的人来言，创建信用记录的一种好方法是获取信用卡。如果您没有信用卡，通常最容易获得安全信用卡（需要保证金）或者大学生信用卡资格。信贷建设者贷款也可以帮助您建立信贷。
【解析】本题的问题是“如果你属于无信用类别，如何建立信用？”A选项“获得信贷建设者贷款”；B选项“获得有担保的信用卡（需要保证金）或大学生信用卡”；C选项“获得信用卡”；D选项“以上皆是”。根据主题句，建立信贷可以通过拥有获得信用卡、安全信用卡（需要保证金）、大学生信用卡或者信贷建设者贷款方式，故选D。
【关键词】establish credit；fall into the no-credit category
【主题句】第6自然段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.如果您属于无信用类别，则不一定是出现了什么财务问题。在这种情况下，对于无信用的人来言，创建信用记录的一种好方法是获取信用卡。如果您没有信用卡，通常最容易获得安全信用卡（需要保证金）或者大学生信用卡资格。信贷建设者贷款也可以帮助您建立信贷。
【解析】本题的问题是“如果你属于无信用类别，如何建立信用？”A选项“获得信贷建设者贷款”；B选项“获得有担保的信用卡（需要保证金）或大学生信用卡”；C选项“获得信用卡”；D选项“以上皆是”。根据主题句，建立信贷可以通过拥有获得信用卡、安全信用卡（需要保证金）、大学生信用卡或者信贷建设者贷款方式，故选D。
更多 “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” 相关考题
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– Do you accept credit card or check? –
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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
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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
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.
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
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
考题
May I use my credit card here?（）AYou can't.BNo one uses it.CI am afraid you can't.DWho told you?
考题
单选题May I use my credit card here?（）A
You can't.B
No one uses it.C
I am afraid you can't.D
Who told you?
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