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  3. When we talk about Americans barely into adulthood who are saddled with unbearable levels of debt. the conversation is almost al

When we talk about Americans barely into adulthood who are saddled with unbearable levels of debt. the conversation is almost al

admin2019-03-20  33
问题     When we talk about Americans barely into adulthood who are saddled with unbearable levels of debt. the conversation is almost always about student loan debt. But there’s a growing body of evidence suggesting that today’s young adults are also drowning in credit-card debt—and that many of them will take this debt to their graves.
    More than 20% overspent their income by more than $ 100 every single month. Since they haven’t built up their credit histories yet. it’s a safe bet that these young adults are paying relatively high interest rates on the resulting credit card debt.
    Although many young people blame "socializing" as a barrier to saving money, most of them aren’t knocking back $20 drinks in trendy(时尚的)lounges. They’re struggling with much more daily financial demands.
    To a disturbingly large extent, the young and the broke are relying on credit cards to make it until their next payday. This obviously isn’t sustainable in the long run. and it’s going to put a huge drag on their spending power even after they reach their peak earning years, because they’ll still be paying interest on that bottle of orange juice or box of spaghetti(意式面条)they bought a decade earlier.
    A new study out of Ohio State University found that young adults are accumulating credit card debt at a more rapid rate than other age groups, and that they’re slower at paying it off. " If what we found continues to hold true, we may have more elderly people with substantial financial problems in the future." warns Lucia Dunn, professor of economics at Ohio State. "If our findings persist, we may be faced with a financial crisis among elderly people who can’t pay off their credit cards. "
    Dunn says a lot of these young people are never going to get out from under their credit card debt. "Many people are borrowing on credit cards so heavily that payoff rates at these levels are not sufficient to recover their credit card debt by the end of their life, which could have loss implications for the credit card issuing banks."
What does Lucia Dunn think might be a risk for the credit card issuing banks?
选项 A、They go bankrupt as a result of over-lending.
B、They lose large numbers of their regular clients.
C、Their clients leave their debts unpaid upon death.
D、Their interest rates have to be reduced now and then.
答案C
解析 事实细节题。定位段明确指出“很多人从信用卡中大量地借钱，但按照他们的偿还能力，到死也不足以偿还信用卡债务，这将潜在地导致信用卡签发银行的损失。”由此可见，Dunn认为客户到死也没偿清债务可能会对信用卡签发银行构成风险。故答案为C)。
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