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请问condition和conditions在用法上有什么区别?再加一道语法题请问condition和conditions在用法上有什么区别？还有这道题With the rapid increase of crimes concerning credit card, people have begun to look at the use of credit card ______.A. the other wayB. another wayC. by the other wayD. by another
题目
请问condition和conditions在用法上有什么区别?再加一道语法题
请问condition和conditions在用法上有什么区别？
还有这道题
With the rapid increase of crimes concerning credit card, people have begun to look at the use of credit card ______.
A. the other way
B. another way
C. by the other way
D. by another way
答案选B
请问in是可以省略还是这本来就是一种固定用法？
相似考题
更多“请问condition和conditions在用法上有什么区别?再加一道语法题 请问condition和conditions在用法上有什么区别？还有这道题With the rapid increase of crimes concerning credit card, people have begun to look at the use of credit card _____”相关问题
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第1题：
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.
正确答案：C
解析：单句的意思为“如果您丢失了这张卡，您得尽快通知我们，我们将让别人无法使用您的卡。”可见说话者应为信用卡公司。 -
第2题：
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
正确答案：B
解析：录音原文提到The credit card receipts will…and restaurant expenses．信用卡收据准确地记录了花费在宾馆、飞机、火车、餐馆方面的支出，没有提及股票交易支出。 -
第3题：
听力原文：M: I want to apply for a credit card. What are the common credit cards?
W: Master Card, Visa, Discover, and American Express. Apply for the ones without annual fees. Some credit cards even pay you back about 1% - 2% of what you spend.
Q: Which type of credit card is not mentioned in the conversation?
(19)
A．Smart Card.
B．Master Card.
C．Visa Card.
D．American Express.
正确答案：A
解析：男士问的是普通信用卡有哪些，女士的回答是“Master Card”，“Visa”，“Discover”，and “American Express”．只有A不属于这一类。 -
第4题：
共用题干
第二篇
Credit Card Only Works When Spoken To
A credit card that will not work unless it hears its owner's voice could become an
important weapon in the fight against fraud（欺骗）.
The card requires users to give a spoken password that it recognizes using a built-in
voice-recognition chip.The idea is to prevent thieves using a stolen card or fraudsters using
someone else's credit card details to buy goods online.
A model built by engineers at Beepcard in Santa Monica,California,represents the
first attempt to pack a microphone,a loudspeaker,a battery and a voice-recognition chip
into a standard-sized credit card.
They are not quite there yet:the card is the length and width of an ordinary credit card,
but it is still about three times as thick.The company now plans to make it thinner.
The voice card is based on an earlier Beepcard technology designed to prevent fraud in
online transactions.This earlier card has no microphone,but has a built-in loudspeaker
that it uses to " squawk"（发出叫声）a voice ID signal via a computer's microphone to an
online server.
By verifying（证实）that the signal matches the card details,the server can establish
that the user is not simply keying in a credit card number but actually has the card to hand.
The ID code changes each time the card is used in a pre-ordered sequence that only the server knows.
This prevents fraudsters recording the beeps, noting the card details and then playing
back the audible ID when they key in the details later.But this earlier technology cannot
prevent fraudulent use of stolen cards.The new one can.
The new voice card also identifies itself by its ID squawk,but it will not do this until it
has verified the legitimate（合法的）user's spoken password. Thieves will be unable to use
the card because even if they knew the password they would have to be able to copy the
owner's voice with a high degree of accuracy.
The challenge for Beepcard has been to develop voice-recognition and audio circuitry
that can be powered by a mini battery embedded（嵌入的）in a credit card. To maximize
battery life,the electronics are only switched on when the card is being used.Pressing a
button on the card's surface prompts it to utter "Say your password" in female voice.If the
voice-recognition software proves that the password is authentic（真实的）,it sends its ID
squawk which the server then identifies,allowing the transaction to proceed.What is the problem with the model card?
A:It is too large.
B:It is too thick.
C:It can't be used in online transactions.
D:It doesn't have a loudspeaker.答案：B解析： -
第5题：
共用题干
第二篇
Credit Card Only Works When Spoken To
A credit card that will not work unless it hears its owner's voice could become an
important weapon in the fight against fraud（欺骗）.
The card requires users to give a spoken password that it recognizes using a built-in
voice-recognition chip.The idea is to prevent thieves using a stolen card or fraudsters using
someone else's credit card details to buy goods online.
A model built by engineers at Beepcard in Santa Monica,California,represents the
first attempt to pack a microphone,a loudspeaker,a battery and a voice-recognition chip
into a standard-sized credit card.
They are not quite there yet:the card is the length and width of an ordinary credit card,
but it is still about three times as thick.The company now plans to make it thinner.
The voice card is based on an earlier Beepcard technology designed to prevent fraud in
online transactions.This earlier card has no microphone,but has a built-in loudspeaker
that it uses to " squawk"（发出叫声）a voice ID signal via a computer's microphone to an
online server.
By verifying（证实）that the signal matches the card details,the server can establish
that the user is not simply keying in a credit card number but actually has the card to hand.
The ID code changes each time the card is used in a pre-ordered sequence that only the server knows.
This prevents fraudsters recording the beeps, noting the card details and then playing
back the audible ID when they key in the details later.But this earlier technology cannot
prevent fraudulent use of stolen cards.The new one can.
The new voice card also identifies itself by its ID squawk,but it will not do this until it
has verified the legitimate（合法的）user's spoken password. Thieves will be unable to use
the card because even if they knew the password they would have to be able to copy the
owner's voice with a high degree of accuracy.
The challenge for Beepcard has been to develop voice-recognition and audio circuitry
that can be powered by a mini battery embedded（嵌入的）in a credit card. To maximize
battery life,the electronics are only switched on when the card is being used.Pressing a
button on the card's surface prompts it to utter "Say your password" in female voice.If the
voice-recognition software proves that the password is authentic（真实的）,it sends its ID
squawk which the server then identifies,allowing the transaction to proceed.The voice credit card is an important invention because
A:it can be made cost-effectively.
B:it can leave voice messages.
C:it makes online shopping easy.
D:it makes fraud difficult.答案：D解析： -
第6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．答案：C解析：【考情点拨】事实细节题。
【应试指导】根据文章第二段最后两句可知，汽车出租商要信用卡卡号是为了确保租车人会归还汽车并付费，故选C。 -
第7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答案：D解析：本题考查的是主旨大意。
【关键词】main purpose
【主题句】第1自然段No credit，bad credit Hear the terms often enough and they can blur together.These credit statuses aren’t one and the same，though.经常听到无信用、不良信用这些术语，它们之间容易混淆，但这些信用状态并不是一回事。
【解析】本题的问题是“该段落的主要目的是_______”。A选项“教人们如何拥有信用账户”；B选项“推荐人们保持良好信用记录的方式”；C选项“表达对现在人们不良信用的关注”；D选项“解释无信用和不良信用之间的差异”。通读全文，文章开头引出无信用和不良信用这两种信用状态，之后分别进行解释，并给予改善信用状态的措施和方法，故D选项更符合题意。 -
第8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答案：C解析：本题考查的是推理判断。
【关键词】inferred；potential lenders
【主题句】第3自然段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.潜在的贷款人会想知道你确定会偿还你所借的款项。他们应该不会冒险借钱或将信贷扩展到信誉度可疑的人，或者更糟糕的是，有不良的资金管理记录的人。
【解析】本题的问题是“可以推断出潜在的贷款人，_______”。A选项“因为他们仍有开户，可能会向坏账信贷人员贷款”；B选项“由于没有出现任何经济上的错误，他们可能会向没有信贷的人贷款”；C选项“不会冒险借款，或向无信贷人或不良信用人提供信贷”；D选项“以上皆不”。根据题目中关键词找到主题句，贷款人不会冒险贷款，故选C。 -
第9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答案：D解析：本题考查的是细节理解。
【关键词】topic；not been covered
【主题句】第1自然段No credit，bad credit Hear the terms often enough and they can blur together.These credit statuses aren’t one and the same，though.经常听到无信用、不良信用这些术语，它们之间很容易混淆，但这些信用状态并不是一回事。
第2自然段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.无论您没有信用还是信用不良，有一件事是肯定的——您没有良好的信誉。没有良好的信誉，您在申请贷款或信用卡时都势必要打一场硬战。
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.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，对于无信用的人而言，创建信用记录的一种好方法是获取信用卡。
第7自然段If you fall into this category and need credit，you’ll need to look for a bad-credit credit card.如果您属于此类别且需要信用，则需要查找不良信用的信用卡。
【解析】本题的问题是“文章中没有涉及哪个主题？”A选项“为不同信用类别的人们提供后续步骤”；B选项“没有信用和不良信用是不同的”；C选项“没有信用和不良信用是相似的”；D选项“以上所有内容已在文章中讨论过”。通读全文，作者在开头提出无信用和不良信用虽然易混，但是截然不同，并具体阐释两者共通之处和相互差异。之后，给予两种不同信用状态用户相应的解决措施和方法，因而选项A、B、C文章都谈论到，故选D。 -
第10题：
You are maintaining a database of credit card transactions. You want the data to be returned automatically in the chronological order of the credit card numbers without using the ORDER BY clause in the query. Which type of cluster will you use to obtain the desired result？（）
- A、 Hash cluster
- B、 Index cluster
- C、 Sorted hash cluster
- D、 Real Application cluster
正确答案:C -
第11题：
填空题If your credit(信誉) is good, you will be allowed (use) ____ the credit card.正确答案： to use解析：
本题考查固定搭配。句意：如果你信誉良好，你就可以使用信用卡。sb. be allowed to do sth.表示“某人被允许做某事”。故填入to use。 -
第12题：
填空题If you bring a credit card, make sure you take down the service number of the card company in case of loss or theft.____正确答案： F解析：
由题干中“credit card”定位至F段。由本段可知，为防止小偷或信用卡丢失应该记下信用卡公司的客户服务热线，故匹配段落为F段。 -
第13题：
听力原文：M: I've lost my credit card issued by your bank. What should I do, please?
W: I am sorry for that. But you have to go to that counter over there for the card business.
Q: Why does the customer come to the bank?
(15)
A．He got a credit card of his friend and come to ask how to use it.
B．He got a card and did not know whose card it is.
C．He has lost his credit card and come to ask what to do.
D．He has found a credit card and come to ask what to do.
正确答案：C
解析：录音原文中男士说：I've lost my credit card issued by your bank，即他丢失了信用卡，来银行想知道该怎么办。 -
第14题：
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.
正确答案：B
解析：单句意思为“信用卡持有者可以把消费额累加到信用卡账户上，银行每月会提供财务报告”。 -
第15题：
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.
正确答案：B
解析：单句意思为“信用卡用户在信用卡账户上有特定的信贷限额”。A项缺少前提，C、D项表述正确，但与录音句子内容无关。 -
第16题：
共用题干
第二篇
Credit Card Only Works When Spoken To
A credit card that will not work unless it hears its owner's voice could become an
important weapon in the fight against fraud（欺骗）.
The card requires users to give a spoken password that it recognizes using a built-in
voice-recognition chip.The idea is to prevent thieves using a stolen card or fraudsters using
someone else's credit card details to buy goods online.
A model built by engineers at Beepcard in Santa Monica,California,represents the
first attempt to pack a microphone,a loudspeaker,a battery and a voice-recognition chip
into a standard-sized credit card.
They are not quite there yet:the card is the length and width of an ordinary credit card,
but it is still about three times as thick.The company now plans to make it thinner.
The voice card is based on an earlier Beepcard technology designed to prevent fraud in
online transactions.This earlier card has no microphone,but has a built-in loudspeaker
that it uses to " squawk"（发出叫声）a voice ID signal via a computer's microphone to an
online server.
By verifying（证实）that the signal matches the card details,the server can establish
that the user is not simply keying in a credit card number but actually has the card to hand.
The ID code changes each time the card is used in a pre-ordered sequence that only the server knows.
This prevents fraudsters recording the beeps, noting the card details and then playing
back the audible ID when they key in the details later.But this earlier technology cannot
prevent fraudulent use of stolen cards.The new one can.
The new voice card also identifies itself by its ID squawk,but it will not do this until it
has verified the legitimate（合法的）user's spoken password. Thieves will be unable to use
the card because even if they knew the password they would have to be able to copy the
owner's voice with a high degree of accuracy.
The challenge for Beepcard has been to develop voice-recognition and audio circuitry
that can be powered by a mini battery embedded（嵌入的）in a credit card. To maximize
battery life,the electronics are only switched on when the card is being used.Pressing a
button on the card's surface prompts it to utter "Say your password" in female voice.If the
voice-recognition software proves that the password is authentic（真实的）,it sends its ID
squawk which the server then identifies,allowing the transaction to proceed.What is the advantage of the new voice card?
A:It recognizes only its owner's spoken password.
B:It doesn't need to work with an on!mne server.
C:It requires less ID information.
D:It has a playback function.答案：A解析： -
第17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．答案：C解析：【考情点拨】事实细节题。
【应试指导】由文章第三段第三句“they permit people to borrow…for it at the time”可知，即使目前不能支付得起，人们仍然可以提前拥有某样东西，故选C。 -
第18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答案：A解析：【考情点拨】主旨大意题。
【应试指导】整篇文章讲的是美国人对使用信用卡的态度和信用卡的使用对美国人生活的影响，所以“信用消费——美国的一种生活方式”最能概括全文，故选A。 -
第19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.答案：B解析：本题考查的是细节理解。
【关键词】solution（s） for Bad-credit
【主题句】倒数第3自然段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.不良信用可能是由于财务失误造成的，包括错过付款，拖欠贷款或账户被银行托收。如果您属于此类别且需要信用，您将需要查找信用不良的信用卡。在这种情况下，担保卡或信用建设者贷款也是一个不错的选择。您也可能有资格获得不良信用的个人贷款。如果您仍有未结账户，请即时支付余额，但如果可以避免，不要关闭信用账户。
【解析】本题的问题是“不良信用的解决方案可能是_______”A选项“账户被银行托收”；B选项“寻找无信用的信用卡”；C选项“支付余额”；D选项“关闭您的信用账户”。根据题目中关键词找到主题句，A选项是导致不良信用的缘由，而非解决方案，故错误；B选项与题干“寻找信用不良的信用卡”相符，故正确；必须在有未结账户的前提下，选择支付余额，C选项缺少限制条件，故错误；D选项与题干“不要关闭信用账户”相矛盾，故错误。故选B。 -
第20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.
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答案：D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。 -
第21题：
When configuring a Commerce Payments cassette for a merchant， what should be created for EACH account？（）
- A、A batch for each supported credit card type
- B、A batch for each currency and credit card type
- C、A batch for each cassette and currency
- D、A brand for each supported credit card type
- E、A brand for each currency and credit card type
正确答案:D -
第22题：
问答题Practice 4 The regulations make it safer for you to use your credit card for shopping on the Internet or over the phone. If someone else makes dishonest use of your credit card, you can cancel the payment and the card issuer(发卡机构) must refund the money to your account. The card issuer will want you to tell them as soon as possible if your card has been lost or stolen or if you find out that someone has used your card details dishonestly.正确答案：
【参考译文】
这些规章制度可以保证你在使用信用卡进行网上购物或电话购物时更安全。如果别人冒用你的信用卡进行交易,你可以取消支付,发卡机构一定会把钱退还到你的账户。如果你的信用卡丢失或被盗,或是你发现有人盗用了你的信用卡的详细信息时,发卡机构希望你能及时告知他们。解析：
①shopping on the Internet or over the phone直接译为“网上购物或者电话购物”。
②makes dishonest use of中的dishonest，原意为“不诚实的”，此处译为“盗用，冒用”。
③refund退还，偿还。句意：把钱退还到你的账户。
④someone has used your card details dishonestly译为“有人盗用了你的信用卡的详细信息”。 -
第23题：
单选题When configuring a Commerce Payments cassette for a merchant， what should be created for EACH account？（）AA batch for each supported credit card type
BA batch for each currency and credit card type
CA batch for each cassette and currency
DA brand for each supported credit card type
EA brand for each currency and credit card type
正确答案： D解析： 暂无解析