题文
Credit cards let people buy things now and pay for them over months or even years.But some people get deep into debt：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.They_offer_economic_power_at_a_price.In 2004，Americans had about $800 billion in credit card debt.Now they own about $968 billion.Critics say banks made it too easy to get credit cards.But that may be changing.The crisis in the housing and credit they call 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 twothirds 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 abusive policies.These include actions like raising interest rates because of an unrelated event.Also，banks may raise the chances of a late payment by changing monthly payment dates for credit cards.
According to a survey,82% of Americans think credit cards provide a valuable service.But a majority,58%，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 in scared.And a little more than half say they have had a card that was not as good as they expected.But close to 80% say no one really reads the terms and conditions when they sign up for a credit card.
小题1:What does the underlined sentence in the first paragraph probably mean?A．We can enjoy more convenience using credit cards.B．Credit cards can improve our buying power.C．We can buy things at lower prices using credit cards.D．Credit cards bring more card debt as well as convenience.小题2:Which of the following is NOT mentioned in the text?A．Banks are making it harder for people to get credit cards.B．Some people’s credit limits have been reduced.C．It is more difficult to borrow money from some banks.D．Banks are receiving more charges from late payments.小题3:What can we know from the text?A．Banks actually prefer to see more late payment.B．People should be more careful when applying for a credit card.C．The US government provides better protection for cardholders.D．The majority of Americans don’t think much of credit cards.小题4:What is the main idea of the last paragraph?A．Credit cards are still very well received in America.B．Credit cards don’t live up to some people’s expectations.C．Many people don’t believe in credit card companies.D．The results of a survey about credit cards in Americans. 题型：未知难度：其他题型
答案
小题1:D
小题2:A
小题3:B
小题4:D
解析
小题1: D
解析 根据下文“In 2004，Americans had about $800 billion in credit card debt.Now they own about $968 billion.”可知，信用卡在给人们带来方便的同时也会带来更多的信用卡债务。
小题2: A
解析 B选项由第三段最后一句“Many people report having their credit limits reduced without warning.”可知；C选项由第三段中的“twothirds of American banks have recently reported tighter lending requirements.”可知；D选项由第二段倒数第二句“Charges for late payments are a growing source of profit for banks.”可知；A项在文中未提及。
小题3: B
解析 整篇文章讲的是信用卡的一些负面问题，而且由文章最后一句“But close to 80% say no one really reads the terms and conditions when they sign up for a credit card.”4可以推断出，人们在申请信用卡时应该小心。
小题4: D
解析 这一段的开头提到了According to a survey“根据一项调查”。下面列举了几个数字及相关信息，因此我们可以总结出最后一段写的是关于美国信用卡调查的结果。
考点
据考高分专家说，试题“Credit cards let peo.....”主要考查你对 [日常生活类阅读 ]考点的理解。日常生活类阅读
日常生活类阅读的概念：
日常生活这一话题主要涉及人们衣食住行等方面的活动。这一话题的选材主要针对人们日常的工作，生活以及学习情况。做这一类题时，最主要的是要把握好人物的活动内容，时间和地点。
日常生活类阅读题答题技巧：
【题型说明】
该类文章内容涉及到人们的言谈举止、生活习惯、饮食起居、服饰仪表、恋爱婚姻、消遣娱乐、节日起源、家庭生活等。文章篇幅短小，追根溯源，探索各项风俗的历史渊源，内容有趣。命题也以送分题为主，如事实细节题、语义转换题、词义猜测题和简单推理判断题等。虽然这类文章读起来感觉轻松，试题做起来比较顺手，但绝不能掉以轻心。因为稍不留神，就会丢分。
【备考提醒】
为了保证较高准确率，建议同学们做好以下几点：
1、保持正常的考试心态。笔者在教学中发现，越是容易的试题，同学们越是容易失分。为什么呢？因为在这种情况下，同学们极易产生麻痹思想，认为题目好做，就不引起高度重视，于是思维不发散、不周密。而命题人就是利用同学们的这一弱点，设计陷阱题。所以，无论试题难易与否，我们都要保持正常的考试心态。试题容易，不欣喜；试题难，不悲观。
2、根据前面讲到的方法，认认真真、细细心心做好事实细节题。
3、做好语义转换题。这类题是根据英语中一词多义和某些词语在文中能表达一定的修辞意义的原则而设计的。要求同学们解释某生词的含义，确定多义词或短语在文中的意思，确认文中的某个代词所指代的对象，或者对英语中特有的表达、格言、谚语进行解释。这种题要求同学们一定要根据上下文猜测词义或理解句子，切不可望文生义。
4、做好简单推理判断题。简单推理判断题要以表面文字为前提，以具体事实为依据进行推理，做出判断。这种推理方式比较直接，只要弄清事实，即可结合常识推断出合理的结论。
