16.Personal money-management website Mint.com suggests recently that responsible parents should give their kids credit cards-possibly starting as young as middle school.The website says a credit card will help children master responsible spending habits and give parents the chance to teach them some valuable lessons.
It's absolutely true that kids should learn about how a credit card works and how to use it responsibly.But the idea that they need a card of their own to practise this is questionable.
Yes,credit cards are a teaching tool,but it's the time you spend educating them about money management that does the teaching,not the piece of plastic.Sit down with your child-here we are referring to teens and walk them through your credit card statements.Point out important things like the due date,late fee warning,and APR (年貸款利率).
If you have good credit,adding a child as an authorized user onto one of your credit cards also provides teachable moments.Allow kids to use the card to make specific purchases and require their participation in payment.
Since the card is still in your name,you can take them off it at any point and cut off their access if they're not able to handle the responsibility.
Another option is to set them up with an account at a local bank that offers free use of a debit card (借記卡).Unlike credit card,the debit card has no overdraft (透支) function.
Children can only use the card to pay for things and the money is taken directly from their bank account.If the account is empty,the worst that will happen is the card being declined at a cash register.
59.Why does Mint.com advise parents to give middle school kids credit cards?B
A.To strengthen the relationship with their kids.
B.To leave their kids financially independent.
C.To help their kids form good spending habits.
D.To teach their kids'how to save pocket money.
60.The author considers a credit card as a teaching tool becauseD.
A.it offers parents the chance to teach kids to manage money
B.it motivates teens to ask their parents for less financial support
C.it helps teenagers to know some basic knowledge of credit cards
D.it contains detailed financial information on the card surface
61.What is the purpose of adding kids as credit card authorized users?C
A.To help them pay close attention to their bank account.
B.To avoid extremely high overdraft fees.
C.To encourage them to share household expenses.
D.To teach them to be responsible credit card users.
62.What is most likely to be discussed in the paragraph that follows?A
A.The kids'attitude towards a credit card.
B.Further information about the debit card.
C.The overdraft functions of a debit card.
D.More disadvantages of credit cards.
分析 本文是一篇說明介紹類文章,主要介紹了一家網(wǎng)站向家長們建議給自己的孩子辦理信用卡的事情,說明了辦理信用卡對于培養(yǎng)孩子的消費習慣、責任感等各方面的教育意義,可以幫助孩子養(yǎng)成良好的消費習慣,為父母提供了一個教育子女理財?shù)臋C會.
解答 59.答案:B.細節(jié)分析題.根據(jù)The website says a credit card will help children master responsible spending habits and give parents the chance to teach them some valuable lessons可知這家網(wǎng)站建議父母讓孩子盡早使用信用卡是為了幫助他們養(yǎng)成良好的消費習慣.故選B.
60.答案:D.推理判斷題.根據(jù)Yes,credit cards are a teaching tool,but it's the time you spend educating them about money management that does the teaching,not the piece of plastic可知作者認為信用卡是一種教育工具主要是因為它為父母提供了一個教育子女理財?shù)臋C會.故選D.
61.答案:C.推理判斷題.根據(jù)If you have good credit,adding a child as an authorized user onto one of your credit cards also provides teachable moments.Allow kids to use the card to make specific purchases and require their participation in payment可知,讓孩子們成為信用卡用戶可以教會他們成為更有責任感的信用卡使用者.故選C.
62.答案:A.推理判斷題.根據(jù)最后兩段可知,主要介紹了借記卡的功能及特點,由此可推斷接下來很有可能進一步介紹關于借記卡的信息.故選A.
點評 本文是一篇說明文,題目涉及細節(jié)分析題及多道推理判斷題,做題時應結合文章上下文內容并根據(jù)所給選項的含義進行分析,從而得出正確答案.切記胡亂猜測,一定要做到有理有據(jù).