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  3. No credit，bad credit：hear the terms often enough and they can blur together．These credit statuses aren’t one and the same，though

No credit，bad credit：hear the terms often enough and they can blur together．These credit statuses aren’t one and the same，though

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问题 No credit，bad credit：hear the terms often enough and they can blur together．These credit statuses aren’t one and the same，though．
    Whether you have no credit or bad credit，one thing’s for sure：You don’t have good credit．And without good credit，you’ll face an uphill battle anytime you apply for a loan or credit card．
  Potential lenders will want to know that you will almost certainly repay any money that you borrow．They likely won’t risk loaning money or extending credit to those whose creditworthiness is abig question mark or，worse，who have a track record of poor money management．
    If you fall into either of these categories，it’s smart to focus on raising your credit scores．
    If you have no credit score．you don’t have a credit history．If you have bad credit，it’s likely that you’ve mishandled credit in the past．And these two less-than-ideal credit standings require different solutions．
    If you fall in the no-credit category，you haven’t necessarily made any financial mistakes．In this case，a good way to start building that history is to acquire a credit card for people with no credit．Secured credit cards(which require a security deposit)or college student credit cards are typically the easiest to qualify for if you have no credit．A credit builder loan can also help you establish credit．
    Bad credit can be a result of financial missteps，including missing payments，defaulting on loans，or having accounts sent to collections．If you fall into this category and need credit，you’ll need to look for a bad-credit  credit card．A secured card or credit-builder loan is a good option in this situation，as well．You also may qualify for a bad credit personal loan．If you still have open accounts，pay down the balances but don’t close credit accounts if you can avoid it．
    People with no credit are just starting to build their financial reputation，while those with bad credit are doing damage control．
    Moving from one of these less desirable situations to a good credit standing may use different tools，but the method is much the same：Make your payments on time and keep your debt low．It takes diligence and dedication，but it can be done．
The main purpose of the passage is to ________ .
选项 A、teach people how to have credit accounts
B、suggest ways for people to keep good creditrecord
C、present a concern about people’s bad creditnowadays
D、explain the differences between nocreditand bad credit
答案D
解析 题干说到这篇文章的主要意图是什么，也就是在问文章的主旨大意。通读全文，整篇文章都在讨论无信用和信用差的情况以及它们各自可以申请信用卡的不同方法。文章第一段就说到：无信用和信用差经常会被混淆在一起。然而，这些信用状态并不相同。随后第四、五、六和七段花费大量篇幅都在讲针对这两种不同信用状态可采取的提高信誉或申请贷款的方法。第八段又总结了无信用的人属于开始建立他们的财务声誉，而那些信用差的人正在进行的是损害控制。故对应D项“解释无信用和信用差的差别”。B项“提出让人们保持良好信用记录的方法”，具有干扰性。文章最后一段提到，从不太理想的情况转移到良好的信用状况可能会使用不同的工具，但方法是一样的，即按时还款、保持低债务，这需要勤奋和奉献。纵观全文，并没有大篇幅描述该如何保持好的信用记录，因此排除。
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