According to a study by SallieMae, 84 percent of undergraduate students have cre

According to a study by SallieMae, 84 percent ofundergraduate students have credit cards, and by the time they are seniors,they have accumulated US $ 4,100 in debt, on top of whatever student loans theymay have taken out．

Credit cards are the most convenient form of payment,and they are aggressively marketed to college students．Reportedly, a typical college student carries 4．6 credit cards and US $ 3,173 in credit card debt．

Credit cards seem to be a fact of life, not juststudent life． In the long term,  using a creditcard properly and paying off the balance can help establish a card history andincrease your credit score, which will come in handy when you need animportant loan, for a house or car, for example．Yourcredit score can affect even unrelated things like insurance rates．Credit cards also offer more protection for users thandebit cards（借记卡）．Under federal law, the credit card holderis only responsible for the first US  $ 50in fraudulent（欺诈的） purchases in cases of theft or loss．However, debit card users are responsible for thefirst US $ 500．                                   

SallieMae found some good news in the fact that two thirdsof students had discussed credit issues with their parents, but 84 percent saidthey needed more information．Those who didn't get anyguidance were more likely to be surprised when they found out how much theyowed．

While credit cards offer the easiest access to money,they make it easy to live outside your means．Less than afifth of students surveyed paid off their balance every month, and carrying abalance brings finance charges, sometimes at a very high interest rates．

SallieMae found that almost 40 percent of studentschose their first credit card based on direct mail, which is probably whystudents get credit card offers in the mail． But when thecredit card offers flow in, be sure that you read the fine print．Offers of low or no interest rates can disappear,leaving you a debt that climbs beyond your ability to pay it off．

1.What does the first paragraph imply?

A．Most of thesenior students are shocked to see how much they owed．

B．Students canonly take out loans from credit cards．

C．Most of students'loans come from credit cards．

D．Credit cardshave a bad effect on college students．

2.The underlined part "come in handy"in the third paragraph probably means “         ”

A．bring trouble                          B．make mistakes

C．be important                           D．be useful

3.According to SallieMae, what is the possible reasonwhy students get so many credit card offers in the mail?

A．Manystudents' first credit card is based on direct mail．

B．it costs thebanks little to mail out credit cards．

C．Studentsdon't like to go to the bank to open a credit card account．

D．Banks have noother way to let students use their credit cards．

4.What is the theme of the third paragraph?

A．Theadvantages of using debit cards．

B．Thesimilarities between credit cards and debit cards．

C．Theadvantages of using credit cards．

D．Credit cardsare the most convenient form of payment．

5.According to SallieMae, how many students had notdiscussed credit issues with their parents?

A．l/3               B．2/3              C．l/4               D．3/4

试题答案

【答案】

1.C

2.D

3.A

4.C

5.A 

【解析】

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