If your credit is good, you will be allowed______（use)the credit card．

A、tickets and credit cards

B、passaport and visa

C、luggage and money

D、money and tickets

A.passport

B.money

C.insurance

D.credit card

The things you need to deal with before you set out DON'T include______.

A．picking a bilingual dictionary no matter where you go

B．making copies of your passport and health insurance

C．bringing cash and a credit card with you

D．taking something for fun, a book, a journal, a map, etc.

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.

M: Well, you may come to get it back at any time. Our business hours are from 9:00 to 12:00 in the morning or 1:30 to 4:00 in the afternoon.

Q: What are the business hours of the bank？

(17)

A．From 9:00 a.m. to 6:00 p.m.

B．From 9:00 a.m. to 4:00 p.m.

C．From 9:00 a.m. to 12:00 a.m. or 1:30 to 4:00 p.m.

D．From 9:00 a.m. to 11:30 a.m. or 1:00 to4:30 p.m.

短文理解

听力原文： There are two main types of bank account in the UK: currency accounts and deposit accounts. A current account allows you to use a cheque book, but your money doesn't earn interest. There are bank charges for current accounts, but if your account remains in credit you need pay no charges at all. You must keep a certain amount in credit in your current to avoid charges. This amount changes from time to time.

A deposit account earns interest, but it doesn't allow you to use a cheque book. The rate of interest fluctuates. For example, in one year it dropped from 11% to 3%. You can withdraw money from a deposit account by giving notice to a hank. This notice is usually seven days.

A current account is a convenient and safe method of handling money. It is also called a cheque account. Your salary can go straight into your current account, and these clays more and more people are paid by direct credit instead of in cash. Direct credit means that your employer, or anyone else who wishes to pay you money, can pay the money straight out of their account into yours.

21. Which of the following statements is NOT true about a current account？

22.What is the rate of interest for a deposit account？

23.What is direct credit？

(21)

A．It allows you to use a cheque book.

B．It earns interest for you.

C．The bank will charge you for this account.

D．No charges will be paid if it remains in credit.

The City of Angel Museum

1) Buy Tickets Online Now

Have your membership number and credit card ready for access to special rates and events.

We do not (141) accept any discount passes or coupons online.

2) Order by Phone

Discount passes may NOT be applied when ordering by phone.

However, member passes can be (142) to phone orders. Phone lines get busy during the holidays. To avoid hold time, order at least three weeks in advance and try calling between 1:00 p. m. -3:00 p. m.

3) Picking up Reserved Tickets

All reserved tickets may be picked up at one of the tickets kiosks in the main lobby —bypass the Museum box office! Swipe the same credit card you (143) to place your order and your tickets will pop right out!

Note: To exchange passes, you must go to the box office.

(41)

A．currently

B．promptly

C．remarkably

D．exclusively

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.

【题目描述】

【我提交的答案】：More and more students use credit cards ,they think credit card very convient ,they can buy the things they like anytime and don't conside how much it is？ For example you want to buythe computer,but your cash is not enough,you only go back to get more money or not buy it.you muse be not happy,if you use credit card ,you don't lose in trouble.But everything has two aspects, Credit Card is convient ,many students use money is very fast and waste money,so that they always ask thier parents to give their money.I think credit cards is used in advisable by students,its default can become right .It became more useful.

【参考答案分析】：

【我的疑问】（如下，请求专家帮助解答）

我写这篇作文能得多少分，麻烦专家了

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

阅读理解

阅读下面的文章，根据文章内容判断文章后的句子是正确(T)还是错误(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.

SPENDING TO FEEL GOOD

Everyone enjoys getting something new — buying yourself something feels good. There is absolutely nothing wrong with this, as long as you don't go overboard. You'll feel good about your purchase whether you make it with cash or by credit card, but you'll feel even better when you don't have to spend the next two years trying to pay it off with 20% interest.

操作提示：句子正确选择下拉选项框为“T”;句子错误选择下拉选项框为“F”。

1. You have to pay for the credit card loans by the end of each month. {T; F}

2. Using a credit card to pay is spending free money. {T; F}

3. It's easy to get a credit card but hard to make ends meet. {T; F}

4. If you suffer from a deficit this month, you simply have to pay it off by the original amount in the future. {T; F}

5. “Spending to feel good” means keeping your spending within the budget. {T; F}