2020年职称英语《综合类》阅读理解加强练习题(4)

1、2020 年职称英语综合类阅读理解加强练习题（ 4 ）Credit cards let people buy things now and pay for them over months or even years.But some people get deep into debt.And critics say some banks have terms and charges that can make it harder for people to pay off that debt.In the United States,there are calls for stronger

2、government supervision of the credit card industry.Credit cards have been heavily marketed through the mail and at stores.They offer economic power at a price.In two thousand four,Americans had about eight hundred billion dollars in credit card debt.Now they owe about nine hundred sixty-eight billio

3、n.The average interest rate on those cards is currently thirteen and a half percent.Critics say banks made it too easy to get credit cards.But that may be changing.The crisis in the housing and credits markets is beginning to affect the credit card industry.More payments are late.Charges for late pa

4、yments are a growing source of profit for banks.But late payments can also signal bad debts.The central bank,the Federal Reserve,says two-thirds of American banks have recently reported tighter lending requirements.Many people report having their credit limits reduced without warning.Some lawmakers

5、are concerned that cardholders do not have enough protections from what critics say are abusive policies.These include actions like raising interest rates because of an unrelated event like a missed payment onanother debt.Also,banks may raise the chances of a latepayment by changing monthly payment

6、dates for credit cards.Congress has been considering bills to increase cardholder protections.Eighty-two percent of Americans think credit cards provide a valuable service.But a majority,fifty-eight percent,say they do not trust credit card companies.And three out of four think the government should

7、 regulate the industry more closely.Three out of four people feel there is always some condition that makes a card less appealing than the company made it sound.And a little more than half say they have had a card that was not as good as they expected.But close to eighty percent say no one really re

8、ads the terms and conditions when they sign up for a credit card.16.Its urgent that the government should supervise the credit card industry efficiently.A. RightB. WrongC. Not mentioned准确答案： A解析：该题说的是：人们建议政府应该有效监督信用卡行业。从 第一段的最后一句得出题干是准确的表述。注意 supervise 和 supervision 的词类转换。17. Credit cards which offe

9、r economic power at a price have been heavily marketed at stores and banks.A. RightB. WrongC. Not mentioned准确答案： C解析：该题说的是：提供巨额经济消费水平的信用卡在商场和银 行得到了大力的宣传推广。第二段的第一句只提到了以邮件形式和商 场宣传形式实行的信用卡销售，而没有涉及银行18. The money owed by the Americans has already exceeded the money allowed in their credit card in 2004.A

10、. RightB. WrongC. Not mentioned准确答案： A解析：该题说的是： 2004 年，美国民众实际负债额度已经超出信 用卡限定额度。从第二段的“ In two thousand four,Americans had about eight hundred billion dollars in credit card debt.Now they owe about nine hundred sixty- eight billion. ”得知 2004 年， 美国民众信用卡贷款额度为八千亿，但人们的负债额却高达九千六百 八十亿。所以题干的表述是准确的19. Recently,most of