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 sys tem, which dates back to ancient times. At present, purchases can be made by using c
In business, many places adopt a credit sys tem, which dates back to ancient times. At present, purchases can be made by using c
admin
2011-01-02
58
问题
In business, many places adopt a credit sys
tem, 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】______by the credit company. He is required to 【3】______
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 purchase 【5】______
2. If the card is lost, its owner is protected
3. A【6】______ and complete list of purchase re 【6】______
ceived 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 professional 【8】______
people like dentists, etc.
Major disadvantage. The card owner is
tempted to【9】______his money. If this is the case, 【9】______
it will become increasingly difficult for the user
to keep up with the required【10】______, which will re 【10】______
suit in the credit card being cancelled by the credit company.
【9】
Good morning, everyone. First about your second assignment. I’d like to remind you that your second assignment should be in by next Fri day. 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 VI SA 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 ser vices 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 hill 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, ff 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
overspend/overuse/overconsume
解析
转载请注明原文地址:https://www.kaotiyun.com/show/CJeO777K
0
专业英语八级
相关试题推荐
Incontrasttotraditionalanalysesofminoritybusiness,thesociologicalanalysiscontendsthatminoritybusinessownershipi
曹雪芹的小说《红楼梦》在中国文学发展史上,树立了一座辉煌灿烂的艺术丰碑。小说以贵族青年贾宝玉、林黛玉的恋爱婚姻悲剧为主要线索,描写贾家荣、宁两府这个封建贵族大家庭的衰亡败落。作者还通过这个家族的社会联系的描写,笔触深入到封建社会的各个方面,生动地展开了封建
I’vecometotheSanJoseofficeparkwhereeBayishousedtonosearoundandfigureoutwhatmakesthisbusinessapparentlyim
Videoconferencingisgraduallybecominganacceptedmeansinwhichtodobusiness.Foralongtimeissufferedfromtheimageo
Formostpeople,theideaofgivingapresentationtoagroupofpeopleisafateworsethandeath.Recentresearchhasshownth
Norms:TypesandAcceptanceSociologistsfindthattounderstandaculture,itisveryimportanttounderstanditsnorms.Ⅰ.
Norms:TypesandAcceptanceSociologistsfindthattounderstandaculture,itisveryimportanttounderstanditsnorms.Ⅰ.
A、nationaleconomy.B、adultpopulation.C、youngchildren.D、nationalcurrency.C本题的关键在于把握题干中的themostdamagingeffect,掌握这一点后就比较
C英国文学之作家概况。JohnKeats(1795—1821),第二代浪漫主义诗人代表,代表作为OdetoaNightingale(《夜莺颂》),写作风格推崇“Beautyistruth,truthbeauty’’。
随机试题
两年前,社会工作者小叶为了提高居民参与志愿活动的积极性,设计了“时间银行”管理模式,将居民提供的志愿服务以小时为单位存入了“时间银行”。最近,小叶对“时间银行”的实施情况进行了评估,发现该模式提高了居民参与社区志愿服务的积极性,居民对志愿服务的满意度也明显
在进行人员素质测评的过程中,要依据岗位的具体要求来测评员工,考察员工是否具备岗位所要求的素质和能力。这表明人员素质测评要基于【】
下列接口卡中属于多媒体接口卡的有()。
有关膀胱癌的叙述,下列哪些是正确的
我国卫生标准规定:瓶装汽水、果汁等饮料每100ml中大肠杆菌不得超过
沉降性药多具有的功能是()
负债和所有者权益类账户的期末余额一定在贷方。()
《水路危规》规定,按其规定属于危险货物,但在国际运输时不属于危险货物者,当外贸出口时,在国内运输区段包装件上可不标贴危险货物标志。()
测验等值的条件包括()
考生文件夹下有一个数据库文件“samp2.aeedb”,其中存在已经设计好的表对象“tAtend”、“tEmployee”和“tWork”,请按以下要求完成设计。创建一个查询,查找并显示“姓名”、“项目名称”和“承担工作”3个字段的内容,将查询命名为"
最新回复
(
0
)