单选题Which of the following statements is TRUE? ______.A Credit cards have more advantages than travellers’ cheques.B Dollar bills are as convenient as credit cards.C One-cent coins have been withdrawn from circulation.D You can increase your credit limit a

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 It

To 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 credit

For 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 aren't physically handing someone money or a check for a purchase, you will feel you are spending free money or you aren't spending money at all. Try using cash to get your spending under control.

Misusing credit cards

A 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 can't 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 temptation

We all need to enjoy life, but don't waste your financial future for a few guilty pleasures today if they aren't in your budget. When you know that you can't afford an activity, don't 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.

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

Online banking refers to banking activities that are carried out over the Internet on a secure website. It developed in the late 1990s and grew more popular over the years since it can make one’s financial life much easier to manage. First, you can use online banking to pay your bills. Most banks have a section in which you set up payees. Fill out the information once, you can simply choose that profile every time you pay a bill online. Second, online banking allows you to access your account history and transactions from anywhere. It is the quickest way to check and see if a transaction has cleared your account. It also enables you to find out about unauthorized transactions more quickly. Third, online banking also allows you to transfer money between accounts effectively. It is more convenient than using the automated phone service. When you set up your online banking, be sure that all of your accounts at the bank are listed. This will make it easier to transfer money and make loan payments online. ? Obviously, you need to pay special attention to your safety or privacy using online banking. It is important to clear your cookies after each banking session, especially at a public computer. Additionally, make sure that your password is long enough to prevent it from easily being hacked. Never give your online account information to anyone else. Check your credit report regularly. Thus you can protect yourself from identity theft.

1. Online banking refers to banking systems where you can carry out your business over the Internet on any website.()

2. Most banks have a section in which you set up your own business.()

3. Online banking is the quickest way to check and see if a transaction is done.()

4. It is more useful and easier than using the automated phone service.()

5. No doubt, you have to keep a special eye on your safety or privacy using online banking.()

What can be inferred from Sal Guatieri's comments?（ ）

[A] House sales worsened other sectors of the economy.

[B] House sales resulted in the worsened credit crunch.

[C] The credit crunch worsened the whole economy.

[D] Mortgage applications have been falling for 6 years.

If you are staying in the UK for more than 6 months, it may be useful to open a UK bank account. There are a lot of advantages of having a UK current (checking) account:

Paying bills

Many landlords prefer to collect rent directly from a bank account.

You may be able to obtain cheaper services if you pay bills directly from a bank account，e. g. telephone, gas/water/electricity.

If you are given a chequebook, you can also write cheques as a safe way of paying for things.

Cash

You can easily obtain money from cash machines，or pay directly from your account using a debit card(借记卡).

Saving money

It is generally cheaper to use a UK account than it is to pay by credit card(信用卡)or withdraw (提取) cash from a foreign bank.

Employment

If you work in the UK，some employers require you to have a bank account so that you can get your pay.

Advantages of UK Current Account

Paying bills： 1) to pay rent directly from ①

2) to obtain ② services

3) to pay for things with cheques safely

Cash：1)to obtain money from ③ easily

21 to pay directly from your account

Saving money：cheaper to use a ④ account

Employment：to get your ⑤ through a bank account

听力原文：If you lose this credit card, you have to notify us as soon as possible, so that we can put a stop on your lost card.

(3)

A．We are the credit card holders.

B．We are the bank who can encash the card.

C．We are the credit card company.

D．We stopped your card losing.

单句理解

听力原文：Credit card holders can charge purchases to their credit card accounts, and they receive monthly statements.

(1)

A．Credit card holders will state if they don't buy anything.

B．Credit card holders will receive their statements from the bank every month.

C．Credit card holders can charge purchases to their bank accounts.

D．Credit card holders have to make purchases every month.

SECTION A MINI-LECTURE

Directions: 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 the

card.

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

听力原文：Credit card customers are given a credit limit on the credit card account.

(8)

A．Credit card customers are given a right to buy goods and services.

B．The cardholder can buy goods and services within the credit limit.

C．Normally, banks will set different credit lines to different groups of cardholders.

D．Each month the cardholder receives a statement from the bank.