A．which timeB．which partsC．how longD．how severe

听力原文：You can also use credit card here.

A．

B．

C．

听力原文： The Credit Card in the U. S.

Today, more and more people in the U. S. are using credit cards instead of money to buy what they need. Almost anyone who bas a steady income and a continuous work record can apply for a credit card.

With a credit card, you can buy a car, eat a dinner, take a trip, and even get a haircut by charging the cost to your account. In this way, you can pay for purchases a month or two later. Or you may choose to spread out your payments over several months and pay only part of the total amount each month.. With a credit card , you don’t have to carry much cash and you don’t have to be concerned about losing your money through carelessness or theft. The card user only has to worry about paying the final bill. This of course can be a problem if you charge more than you can pay for.

(1)

听力原文：W: How do you pay for your purchases with a credit card？

M: Usually I sign a sales slip in the presence of the seller, and the signature is then compared to the signature on the card.

Q: Where should the man sign when he pays for his goods with a credit card？

(20)

A．On his card.

B．On the goods.

C．On a sales slip.

D．On the invoice.

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.

(9)

A．The credit card can be used at any shop without paying cash.

B．The credit card can he used at any appointed shop together with cash.

C．The credit card can be used at any appointed shop without paying cash.

D．The credit card can be used to withdraw any amount of cash.

听力原文： (29)A student credit card？ Is it right for me, and can it help me pay for expenses online such as online courses, music, language-learning materials, or even a degree？

Actually, the answer might be yes or no, depending on your circumstances. Of course, probably the best advice is to save up and then make purchases with cash. Unfortunately, different online services often require a credit card. Here are some. ideas to getting a credit card. First of all, obtaining a student credit card is becoming easier, and many companies are offering such cards to students in this growing market. From a student's perspective, it allows a person to pay for things online that only can be purchased on credit. (30)Furthermore, it can help students build a good credit history that is often needed later for bigger purchases like a car or home.

Inspite of these advantages, students have to be careful because interest rates on such cards are often higher and have higher penalties if you fail to pay on time. Furthermore, students may spend well beyond their means and end up in debt that they can't pay off.

Perhaps a happy medium is for students to get a debit card that has a credit limit, and money for purchases is just deducted from existing funds from a student's account. Thus, it operates like a checking account, and (31)when the student's spending reaches the credit limit, they can't continue to spend.

Before you decide to get a student credit card, look carefully at the agreement terms for each company and compare the advantages and disadvantages of each. Searching the Internet for such offers will give you a good start on what to look for in a company.

(30)

A．Money.

B．Credit.

C．Debit card.

D．Credit card.

W: But the card holders should pay a significant annual fee, perhaps as high as ￡ 50.

Q: What is the disadvantage for gold cards holders？

(16)

A．High credit limits

B．High annual fee.

C．Low interest rates.

D．Monthly statements.

短文理解

听力原文： Credit card fraud is a big problem. Card fraud in the U.S. involving bank cards alone totaled $ 680 million last year, which represented an increase of more than 35% over a 10-year period. However, the tide is beginning to turn, and the growth percentage of fraud is diminishing technologies are becoming more widely used. In 1994, Visa card fraud in the U. S. was as new equal to the figure posted in 1992. At Master Card, bogus card transactions rose 14% from 1993 to 1994. Even so, the growth rate has slowed considerably from the beginning of the decade. That looks good news for bankers and for average card holders as well.

21. What is the passage mainly about？

22.How much did bank card fraud involve in U.S. last year？

23.What conclusion can we draw concerning card fraud？

(21)

A．Bank card business.

B．Bank card fraud.

C．Technologies used in bank.

D．International card fraud.