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
52
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.
【3】
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
purchase(s)/transaction
解析
转载请注明原文地址:https://kaotiyun.com/show/yJlO777K
0
专业英语八级
相关试题推荐
Anewspapercannotpublishfor174yearswithoutsomemistakes.Thisonehasmadeitsshare.WethoughtBritainwassafeinthe
URBANA,Illinois.WelcometoCyberCity,USA,wherescientistsaredevelopingthenext-generationInternetandleadingground-br
TheOxfordWordfinder(OWF)isa"productiondictionary"designedforlearnersforEnglishatintermediatelevelandabove.Iti
Nancybecameataxidriverbecause
Duringthepastcentury,duetoavarietyoffactors,morethan1,000oftheworld’slanguageshavedisappeared,anditispossi
Accordingtothepassage,whichofthefollowinggroupsofpeoplemightbeviewedasbeingdangerousbytheguards?Thebillgi
ScientistsinBrazilhaveusedfrogskinto______.
ThePopularityofEnglishⅠ.PresentstatusofEnglishA.Englishasanative/firstlanguageB.Englishasalinguafranca
人类自有文化就有文化交流。人类文化从整体来说,是各国、各国民族文化汇聚,交流的产物。现代国际间的文化交流,更是以空前的规模、内容、形式和手段,在直接间接地进行着。当今的世界,既非丝绸之路时代,亦非马可波罗时代。从上海去东京,只需两个多小时,相当于从北京到杭
ThewetvolcanicashthatcoveredaMayavillageinCentralAmericainaboutAD595coatedandpreservedeverydayobjectsbeans,
随机试题
机动车驾驶人在实习期内有记满12分记录的,注销其实习的准驾车型驾驶资格。
简述目标管理理论从产生到现在大致经历的三个发展阶段。
鉴别Graves病与自主性高功能性甲状腺腺瘤最有价值的检查是
患者女,56岁,入院进行健康体检。枸橼酸盐的抗凝机制为
我国广大卫生医务人员在工作岗位上应坚持放在第一位的是
思想品德的课程标准完全改变了以往“识记”“理解”“运用”的阶梯认知目标体系,而是以()目标为首。
下列行为中属于单方民事法律行为的有______。
第一国际前期内部马克思主义者除同工联主义斗争外,主要同()进行了斗争。
如果要改变窗体的标题,需要设置窗体对象的______属性。
Environmentalasceticismhascreatedavogueforupgradinglight-bulbsandtweakingthermostats(恒温器).Butaccordingtoanewpie
最新回复
(
0
)