首页
外语
计算机
考研
公务员
职业资格
财经
工程
司法
医学
专升本
自考
实用职业技能
登录
外语
In business, many places adopt a credit system, which dates back to ancient times. At present, purchases can be made by using c
In business, many places adopt a credit system, which dates back to ancient times. At present, purchases can be made by using c
admin
2010-06-18
51
问题
In business, many places adopt a credit system,
which dates back to ancient times. At present, purchases
can be made by using credit cards. They fall
into two categories: one has【1】______use, while 【1】______
the other is accepted almost everywhere. The
application for the use of the latter one must be made at a
【2】______. 【2】______
Once the customer starts using the card, he will
be provided with a monthly statement of【3】______ 【3】______
by the credit company. He is required to pay one
quarter to half of his credit【4】______every 【4】______
month.
Advantages. 1. With a card, it is not
【5】______to save up money before an actual pur- 【5】______
chase. 2. If the card is lost, its owner is protected.
3. A【6】______and complete list of purchase 【6】______
received from the credit company helps the owner to
remember the time and【7】______of his purchase. 4.【7】______
The cards are accepted in a(n)【8】______by 【8】______
professional people like dentists, etc.
Major disadvantage. The card owner is tempted
to【9】______his money. If this is the case, it will【9】______
become increasingly difficult for the user to keep up
with the required【10】______, which will result in【10】______
the credit card being cancelled by the credit company.
【2】
Good morning, everyone. First about your second assignment. I’d like to remind you that your second assignment should be in by next Friday. You can either put it in my pigeon hole, or leave it with the Department’s secretary. Now, let’s get down to the lecture.
Today, the lecture is on credit, er, or to be more specific, on credit cards. I’m sure you must have heard of some credit cards, like the VISA card, which is an internationally used card, or the Great Wall card issued by the Bank of China. In order to give a better understanding, we’ll discuss it in some detail.
Many businesses, such as department stores, restaurants, hotels and airline companies, use a credit system for selling their products and services. In a credit system, the seller agrees to sell something to the buyer without immediately receiving cash. He receives the goods or services immediately and promises to pay for them later. This buy-now-pay-later credit system is quite old.
There are two types of credit cards. One type is issued directly by a store to a customer. Many large department stores issue credit cards to their customers. The store credit card can be used to make purchases only at a particular store. For example, if you have a credit card from Store A, then you can only buy things in that store. Other stores would not accept it. The other kind of credit card is issued by a credit company. Credit cards from credit companies can be used to buy things almost anywhere. If you have a major credit card, you can buy airplane tickets, stay at hotels and eat at restaurant with it. Most large credit companies are connected to large banks. So if you want a credit card from a credit company, you generally have to make an application at a bank. After an applicant receives a credit card, he or she can make purchases using the card.
The credit company sends the customer a statement of purchases at the end of each month. Generally the customer has to pay 25--50% of their credit bill every month. The customer pays directly to the credit company and the credit company pays to the store or hotel or restaurant.
There are some advantages and some disadvantages to using credit cards. The biggest advantage for the consumer is expressed by the phrase "buy now, pay later". This means that the consumer can purchase what he wants when he wants it. There is no need to save up money in advance. Another advantage of having a credit card is that it protects the owner. If a credit card is lost or stolen, the owner only has to call the credit company and the credit company will stop the credit card number. No one else can use it. So the owner doesn’t have to worry about losing the card. Another advantage of the credit card system is that the consumer receives a record of his or her purchases. Every month the credit customer receives a bill. The bill has a list of all purchases from that month. This makes it easier to remember when and where purchases are made. And another advantage is that credit cards can be used when something unexpected happens. Many kinds of professional people--plumbers, taxidrivers, doctors and dentists--will accept credit cards in an emergency. This is very important if you don’t have any cash with you.
However, having said all that, using credit cards has one major disadvantage. That is, consumers tend to overspend their money. They spend more than they make. If a consumer buys a lot of things on credit, he or she has to make large payments each month. Sometimes it becomes impossible to keep up with the payments. As a result, the consumer’s life becomes more and more difficult. If the consumer cannot make the payments, his card will be taken away. It will be very difficult for him to get another credit card in the future.
To sum up briefly, we can see a credit-buying system has both advantages and disadvantages. On the one hand, it gives people convenience in life, and on the other, it tends to encourage overspending.
选项
答案
bank
解析
转载请注明原文地址:https://kaotiyun.com/show/fJlO777K
0
专业英语八级
相关试题推荐
(假如)没有生病和衰老,唯一能杀死人类的就可能是事故、自杀或者谋杀。如此,我们的平均寿命就可能超过1200年。
同食品和庇护场所一样,服装/衣服也是人类的基本需要。(过去)人们穿衣着装的原因之一是要保护(自己)。粗硬的外衣保护他们免遭动物的撕咬以及抓划和烧伤。服装/衣服同时也让人们保持温暖和避免淋湿。
WhatwaseducationlikeinProfessorWang’sdays?
Meteorologistsroutinelytelluswhatnextweek’sweatherislikelytobe,andclimatescientistsdiscusswhatmighthappenin1
EtonCollegeisafamous______.
In1964-1966,majorresourceofnaturalgaswerediscoveredintheBritishsectorof______.
A、MassachusettsB、NorthCarolinaC、IowaD、SouthDakotaB
A、theworld’sfirstmajormusiccompanyB、theworld’sthirdlargestrecordcompanyC、theworld’slargeston-linemusicprovider
ASystemofGuaranteedSubsistenceMinimumAhundredyearsagoitwasassumedandscientifically"proved"byeconomiststhat
ThejuryintheHighCourtofNewZealandiscomposedof______members.
随机试题
某公司出售了其手机制造业务,将注意力聚焦在网络、电子地图业务以及技术开发三大领域。该公司采取的战略是()。
李老板在业内一直颇受赞誉,他对员工的体恤也是人人皆赏。在10年前公司还是只有5个人的小公司时,李老板就把所有员工的利益放在了最重要的位置,他经常说:“只要跟着我,我绝对不会让大伙儿失望,我喝粥,就让大伙儿吃饭,我吃饭,就让大伙儿吃肉。”公司员工从5个人扩展
Thismeansteachingthemtorespecttherightsandopinionsofothers:itmeansrespectingelders,teachersandthelaw.Thebes
A.慢性牙龈炎B.龈增生C.急性坏死性溃疡性牙龈炎D.浆细胞性牙龈炎E.苔藓型剥脱性龈炎在上皮下黏膜固有层的结缔组织内为密集的浆细胞弥漫浸润,呈片状或灶状聚集,无肉芽组织结构
机械使用过程中的危险有害因素分为机械性有害因素和非机械性有害因素。下列选项中全部属于机械性危险有害因素的是()。
在保理业务下,只要进口商对出口商开出的汇票不付款,保理商均不能向出口商(票据的出票人)行使追索权。
根据高中课程内容要求对“逻辑联结词”设定的教学目标如下:①理解逻辑联结词“或”“且”“非”的含义,了解“或”“且”“非”的复合命题的构成;②能熟练判断一些复合命题的真假性;③通过逻辑联结词的学习,初步体会数学语言的严密性、准确
A、 B、 C、 D、 A
尽管有关法律越来越严厉,盗猎现象并没有得到有效抑制,反而有愈演愈烈的趋势,特别是对犀牛的捕杀。一只没有角的犀牛对盗猎者是没有价值的,野生动物保护委员会为了有效地保护犀牛,计划将所有的犀牛角都切掉,以使它们免遭杀害厄运。野生动物保护委员会的计划假设了以下哪项
HowYourLanguageAffectsYourWealthandHealth[A]Doesthelanguagewespeakdeterminehowhealthyandrichwewillbe?Newre
最新回复
(
0
)