题文
According to a study by SallieMae, 84 percent of undergraduate students have credit cards, and by the time they are seniors, they have accumulated US $ 4,100 in debt, on top of whatever student loans they may have taken out．Credit cards are the most convenient form of payment, and they are aggressively marketed to college students．Reportedly, a typical college student carries 4．6 credit cards and US $ 3,173 in credit card debt．
Credit cards seem to be a fact of life, not just student life． In the long term, using a credit card properly and paying off the balance can help establish a card history and increase your credit score, which will come in handy when you need an important loan, for a house or car, for example．Your credit score can affect even unrelated things like insurance rates．Credit cards also offer more protection for users than debit cards（借记卡）．Under federal law, the credit card holder is only responsible for the first US $ 50in fraudulent（欺诈的） purchases in cases of theft or loss．However, debit card users are responsible for the first US $ 500．
SallieMae found some good news in the fact that two thirds of students had discussed credit issues with their parents, but 84 percent said they needed more information．Those who didn't get any guidance were more likely to be surprised when they found out how much they owed．
While credit cards offer the easiest access to money, they make it easy to live outside your means．Less than a fifth of students surveyed paid off their balance every month, and carrying a balance brings finance charges, sometimes at a very high interest rates．
SallieMae found that almost 40 percent of students chose their first credit card based on direct mail, which is probably why students get credit card offers in the mail． But when the credit card offers flow in, be sure that you read the fine print．Offers of low or no interest rates can disappear, leaving you a debt that climbs beyond your ability to pay it off．
小题1:What does the first paragraph imply?A．Most of the senior students are shocked to see how much they owed．B．Students can only take out loans from credit cards．C．Most of students' loans come from credit cards．D．Credit cards have a bad effect on college students．小题2:The underlined part "come in handy" in the third paragraph probably means “ ”A．bring troubleB．make mistakesC．be importantD．be useful小题3:According to SallieMae, what is the possible reason why students get so many credit card offers in the mail?A．Many students' first credit card is based on direct mail．B．it costs the banks little to mail out credit cards．C．Students don't like to go to the bank to open a credit card account．D．Banks have no other way to let students use their credit cards．小题4:What is the theme of the third paragraph?A．The advantages of using debit cards．B．The similarities between credit cards and debit cards．C．The advantages of using credit cards．D．Credit cards are the most convenient form of payment．小题5:According to SallieMae, how many students had not discussed credit issues with their parents?A．l/3B．2/3 C．l/4D．3/4 题型：未知 难度：其他题型
答案
小题1:C
小题2:D
小题3:A
小题4:C
小题5:A
解析
文章介绍的大学生之中使用信用卡的问题，除了一些好处，信用卡也会让学生陷入债务之中。
小题1:细节题：从第一段的句子：84 percent of undergraduate students have credit cards, and by the time they are seniors, they have accumulated US $ 4,100 in debt, on top of whatever student loans they may have taken out．可知大部分毕业生的债务来自信用卡。选C。
小题2:猜词题：句意是：当你需要贷款的时候，就可以使用信用卡了。选D
小题3:细节题;从最后一段的句子：SallieMae found that almost 40 percent of students chose their first credit card based on direct mail, which is probably why students get credit card offers in the mail．可知很多学生的第一个信用卡是邮寄来的。选A
小题4:细节题;从第三段的句子：using a credit card properly and paying off the balance can help establish a card history and increase your credit score, 可知这段讲的是信用卡的好处。选C
小题5:细节题：文章倒数第三段的句子：SallieMae found some good news in the fact that two thirds of students had discussed credit issues with their parents,可以推断出有三分之一的学生没有和父母讨论信用卡的事情。选A
点评：这篇文章还是有一定难度的，但对于细节题的考查很细致，学生在掌握大意后，只要关注一些细节，可以迅速抓住关键句子。
考点
据考高分专家说，试题“According to a study.....”主要考查你对 [政治经济类阅读 ]考点的理解。政治经济类阅读
政治经济类文章的概念：
要做好这类阅读，平时就要注意了解国内外发生的政治经济大事，掌握一定背景知识，对这类文章的叙述特点及内容安排有一定了解，还要扩展这方面的词汇。阅读这类文章，要抓住文章的核心，即文章整体和各段主要在说什么，也要注意段落之间的逻辑关系。
如何备考政治经济类阅读理解题：
【题型说明】政治经济类阅读文章是高考常选材料之一。该类文章时代气息浓郁，语言鲜活，但熟字新义词、超纲词及专业词语多，长句、难句多。政治类文章大多数是同学们感性趣的内容，读起来倒有似曾相识的感觉，经济类文章读起来就像是雾里看花，文章看完，一头雾水。再加之这类文章的命题侧重于词义猜测、推理判断和文章主旨，同学们对这类题材是望而生畏。
【备考策略】建立心理优势。针对不同体裁的文章，我们要采取相应的阅读方法和技巧。政治类文章多采用记叙文形式，我们可采取“顺读法”，以便抓关键语句，领会文章主旨；而经济类文章则多采用说明文形式，我们则可以采取“逆读法”，先读试题，再从文章中查找有用信息。若遇到的确难读的材料。千万不用着急，因为你觉得难，其他人也一定是同感。在高考前，我们就要有这种心理准备，高考试卷肯定有一、两篇难以阅读的材料。不过，我们平时可以有意识地从报刊杂志上找一些较难的阅读材料来阅读，以培养自己迎难而上的心理素质。
【答题方法】
1、寻找主干：
根据英语中五种基本句型结构，把句子中的主语、谓语、宾语、表语等主要成分找出来，其他成分如定语、状语、补语等则易于理解。找到了句子主干，句子的意思至少明白了一半。
2、剔除从句：
在一个长句中可能会出现若干个从句，在理解时，如果把各个从句剔除出来单独理解，然后把大意拼凑起来，整个长句的意思就会明白六、七分。
3、辨别分句：
一个长句如果是由几个并列、转折、递进、对比关系的分句组成，句中往往有表示这些分句关系的连接词，只要能弄清楚分句和分句之间的逻辑关系，再把各层分句的意思加以连贯，整个长句的句意基本上能跃然脑中。
4、寻找关键词：
如果一个句子看完，一点句意的感觉也没有，下下策就是抓住句中的关键词，通过关键词大体弄懂这个长句的意思。
