1. Credit card before 1950 can only be used at one merchant.

Credit card companies charge the user more money if______.

A．he can't pay back all the money at the end of a certain period

B．he pays back all the money before the end of a certain period

C．he has lost his credit card

D．he wants to stop using the credit card

still regarded with suspicion by many people as a major part of the "live now, pay later" habit. They provide encouragement to spend【1】money. Of course it is only the fool who follows the temptation to live, temporarily at least,【2】his means, and such people would no doubt manage to do so even without credit cards.

Advertisers have, however, promoted a growing realization of the【3】of these small pieces of plastic. They do away with the need to carry large【4】of cash and are always useful in emergencies.

All the credit card organizations【5】interest on a monthly basis which may work out as high as 25 percent a year, yet careful use of a card can mean that you obtain up to seven weeks interest-free credit. Using the card abroad,【6】items frequently take a long time to be included on your account, can【7】this period even further.

It is worthwhile shopping around before【8】on a particular credit card. It is necessary to consider the amount of credit granted: interest rates, which may vary slightly, the number and range of outlets, though most cards【9】major garages, hotels, restaurants and department stores. And of course, what happens if your card is lost or stolen. A credit thief may become suddenly【10】particularly if there is a delay in reporting the loss of the card.

However，if used wisely，a credit card can cost nothing，or at least help to tide you over a period of financial difficulty．

(11)

A．more

B．the least

C．much

D．less

. Before using your card, please thoroughly read the enclosed documents (141) your rights and responsibilities as a Korea Bank credit card user. If you have any further questions, call 255-HELP. To activate your card, call 255-HELP to confirm that you have received your card. Your card will not be valid for use (142) you call this number.

In an (143) event of loss or theft, please call 255-LOST immediately. Thanks.

(41)

A．described

B．describing

C．are described

D．describe

卖方为条件，允许分批装运及转运。 The goods are to be shipped before August 30, 2020 subject to the condition that acceptable credit card reaches the seller before August 31, 2020. Partial shipment and transshipment are allowed.

The things you need to deal with before you set out DON'T include______.

A．picking a bilingual dictionary no matter where you go

B．making copies of your passport and health insurance

C．bringing cash and a credit card with you

D．taking something for fun, a book, a journal, a map, etc.

You should do all of the following to ensure your renting safety EXCEPT______.

A．writing a vocation memo

B．writing to the former renters

C．making a contract before sending money

D．using credit card to make an order

听力原文： A credit card that only works when it hears its owner's voice has been developed by U. S. scientists. Researchers hope that the device, which comes with a built-in voice recognition chip and microphone, will be a weapon in the battle against credit card fraud. Even if thieves know a card's password and personal identification number, they will still have to copy the owner's voice accurately. The trial-card was created by scientists as B card in California U. S. The first version is three times as thick as a normal credit card. But researchers believe smaller chips will allow the card to slim down to a more conventional size. The card is apparently the first to put a voice recognition chip, a microphone, speaker and a battery into a credit card. To use the card, the owner first presses a button, and hears the prompt: say your password. If the password is correct and spoken by the right person, the card emits an identification signal which is processed by a computer connected to the Internet. Researchers hope to get the card to handle ten transactions per day for two years before its non-replaceable battery runs out.

According to the news, what makes this credit card different from conventional ones is ______.

A．that it can hear the owner's voice.

B．that it can remember a password.

C．that it can identify the owner's voice.

D．that it can remember the owner's PIN.

听力原文： (29)A student credit card？ Is it right for me, and can it help me pay for expenses online such as online courses, music, language-learning materials, or even a degree？

Actually, the answer might be yes or no, depending on your circumstances. Of course, probably the best advice is to save up and then make purchases with cash. Unfortunately, different online services often require a credit card. Here are some. ideas to getting a credit card. First of all, obtaining a student credit card is becoming easier, and many companies are offering such cards to students in this growing market. From a student's perspective, it allows a person to pay for things online that only can be purchased on credit. (30)Furthermore, it can help students build a good credit history that is often needed later for bigger purchases like a car or home.

Inspite of these advantages, students have to be careful because interest rates on such cards are often higher and have higher penalties if you fail to pay on time. Furthermore, students may spend well beyond their means and end up in debt that they can't pay off.

Perhaps a happy medium is for students to get a debit card that has a credit limit, and money for purchases is just deducted from existing funds from a student's account. Thus, it operates like a checking account, and (31)when the student's spending reaches the credit limit, they can't continue to spend.

Before you decide to get a student credit card, look carefully at the agreement terms for each company and compare the advantages and disadvantages of each. Searching the Internet for such offers will give you a good start on what to look for in a company.

(30)

A．Money.

B．Credit.

C．Debit card.

D．Credit card.

Companies are constantly downsizing and offering early retirement to employees (144) are near retirement age. You can make this less traumatic if you do some planning before it happens. (145) at your financial situation and clear up any major debts, put back money for emergencies, don't fall victim to credit card debt, and live (146) your means.

(44)

A．what

B．who

C．whom

D．which

Task 1

Directions: After reading the following passage, you will find 5 questions or unfinished statements, numbered 36 through 40. For each question or statement there are 4 choices marked A, B, C, and D. You should make the correct choice.

If you have an AT&-T BusinessDirect account, you can have your telephone bill paid automatically each month. You can make payments online with a bank account or use one of the following credit cards (信用卡): Visa , Master Card, Discover Network or American Express. When you make an online payment, please follow the instructions given below.

Instructions

1. To make your payment online, click (点击) the "Pay Now" link under the "Account Overview (概览) summary.

2. If your business has more than one registered account, first select the account you need from the "Account Number" menu, and then click the "Pay Now" link.

3. If you have never made an online payment before, you will be asked whether you want to make a payment by using a bank account or credit card. Select either "Bank Account" or "Credit Card" from the "Select Payment Method" menu.

The online payment system is available Monday through Saturday, from 7:00 AM to 12:00 AM (Midnight) Eastern Time.

An AT&T BusinessDi red account helps you______.

A．earn an interest from a bank account

B．make the first month's payment only

C．pay your telephone bill automatically

D．enjoy all the available banking services