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2017年职称英语试题综合B阅读理解专项练习(6)

  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 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 billion. 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 payments 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 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 on another debt. Also, banks may raise the chances of a late payment by changing monthly payment 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 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 reads the terms and conditions when they sign up for a credit card.

  16.It’s urgent that the government should supervise the credit card industry efficiently.

  A.Right

  B.Wrong

  C.Not mentioned

  正确答案: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正确的表述。注意supervise和supervision的词类转换。

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