2. 考研
  3. A. You can schedule an automatic payment. B. Trying to get out of the late fee sometimes. C. You’d better plan to pay ahead. D.

A. You can schedule an automatic payment. B. Trying to get out of the late fee sometimes. C. You’d better plan to pay ahead. D.

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问题 A. You can schedule an automatic payment.
B. Trying to get out of the late fee sometimes.
C. You’d better plan to pay ahead.
D. Change your payment due date in order to avoid late fee.
E. You could also set for yourself a reminder to pay in time.
                                Some Tips to Avoid a Credit Card Late Fee
    If you’re even a minute late with a payment, your credit card company can hit you hard in the wallet—as much as $39 each time, according to a July 2008 survey. However, some simple steps can help keep your exposure to these extra costs to a minimum.
    【R1】______
    A few card issuers, including Chase and HSBC, charge extra fees for online payments that you need to post the same day, so even if you pay electronically, do it three to four days ahead so your credit card company will process the payment by the due date. If you’re snail-mailing checks, allow even more time—about 10 days—to allow for mail snafus. And unless you’re desperate, forget about phone payments—a number of banks charge a fee for them, no matter when you call.
    【R2】______
    A few card issuers allow you to choose a due date to coincide with your payday schedule, so a cash shortfall won’t make you late. You can even choose a due date that’s easier to remember. Your birthday’s on Feb. 17? Make your credit card payment due on the 17th of each month.
    【R3】______
    Some banks offer an autopay program that links your credit card to a checking or saving account; you decide whether to automatically pay the new balance, the current minimum payment or a fixed dollar amount. If you bank online, you can also arrange a do-it-yourself autopay. Just estimate your usual monthly minimum, schedule a monthly payment date and have the amount deducted from your account automatically. Just make sure you have enough in checking to cover it or the overdraft fees will eat up your saving on late fees.
    【R4】______
    Some credit card companies, including Chase, will alert you of upcoming due dates by e-mail or voice mail. You can also schedule a monthly e-mail reminder through a Web site, such as MemoToMe. com or RememberthMilk. com.
    【R5】______
    Even conscientious consumers will probably get hit with a late fee at some point. However, if you have a good record of on-time payments, call and politely ask a customer service representative to waive the charge. No dice? Ask to talk to a supervisor, or try again on a different day. You might even threaten to close your accounts with the company—a tactic that worked for Jeff Roth of Molalla, Ore, after his wife’s Chase credit card was hit with a $ 39 late fee when the Fourth of July delayed processing of a payment. "My advice to those who feel they have unjustly been assessed late fees is to be assertive about getting the charges removed." Says Roth, who posted about his plight at GetRichSlowly. org. "It won’t always work, but most credit card companies will least give you one freebie." Next time, though, you may be on your own.
【R2】
选项 A、 
B、 
C、 
D、 
E、 
答案D
解析 本段内容是讲有一些发卡银行允许持卡者自由选择还款日期，这样一来持卡者可以在工资日还款(coincide with your payday schedule)，不会因资金短缺导致还款推迟(a cash shortfall won’t make you late)。还可以选择一个容易记的日期(choose a due date that’s easier to remember)比如自己的生日作为还款日期。所以本段主要内容是说可以改变还款日期以避免还款推迟，故答案选D。
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