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 （借記卡）.Under federal law, the credit card holder is only responsible for the first US＄50 in fraudulent(欺詐的)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.
小題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.
小題2: The underlined part “come in handy” in the third paragraph probably means “_______”.
A．bring troubleB．make mistakesC．be importantD．be useful
小題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.
小題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.

小題1:C
小題2:D
小題3:A
小題4:C

試題分析： 本文敘述了一項(xiàng)關(guān)于學(xué)生使用信用卡的調(diào)查。據(jù)調(diào)查84%的大學(xué)生有信用卡，到他們畢業(yè)時(shí)，已累計(jì)負(fù)債4100美元，在他們?nèi)〉玫娜魏螌W(xué)生貸款之上。信用卡有很多優(yōu)點(diǎn)比如增加你的信用度，但學(xué)生應(yīng)該讀清條款慎重使用。
小題1:推理判斷題。根據(jù)“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.”學(xué)生用信用卡貸款位于諸如此類的貸款之上�？芍蠖鄶�(shù)學(xué)生貸款來(lái)自信用卡。故選C。
小題2:詞義猜測(cè)題。根據(jù)本句前半部分“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,”從長(zhǎng)遠(yuǎn)看來(lái)，適當(dāng)?shù)剡\(yùn)用信用卡并及時(shí)償清余款，能幫助建立卡歷史并增加你的信用評(píng)分�？芍�(dāng)你需要一個(gè)重要貸款時(shí)這能有用。故答案選D。
小題3:細(xì)節(jié)理解題。根據(jù)“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. ”A
小題4:本段敘述的是信用卡是一個(gè)無(wú)法改變的事實(shí)，從長(zhǎng)遠(yuǎn)來(lái)看，恰當(dāng)?shù)厥褂眯庞媚軒椭ń⒖v史，增加信用評(píng)分，這在你需要重要貸款時(shí)將會(huì)派上用場(chǎng)。信用卡甚至能影響一些不相干的事，比如保險(xiǎn)費(fèi)率。與借記卡相比信用卡能為使用者提供更多保護(hù)。這些都是使用信用卡的優(yōu)勢(shì)，故答案選C。
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科目：高中英語(yǔ) 來(lái)源：不詳 題型：閱讀理解

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It may be one of Britain’s most successful exports – Miss World. This 53-year-old event took place in China last week and attracted over 120 women worldwide with knockout looks in a mad struggle for the crown.
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The beauty contests go on year after year, with winners enjoying fame which quickly disappears. While such events go on and on, what never changes is the routine practice that in every fancy car show, a girl stands beside a fancy car. What never changes is the need to hold a women’s conference every year to appeal for the promotion of respect for and improvement of women. What never changes is the fate of women as a class. So let’s put more time and resources into trying to change all this rather than holding beauty contests.
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C．100 yearsD．a(chǎn)bout half a year
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B．Women were not allowed to show their beauty in China.
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D．Miss World was 54 years old.
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C．some men are not shouting for the right person
D．people can accept a beauty contest in China now
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B．a(chǎn) Mr. World Contest should be held instead of a Miss World Contest
C．a(chǎn) boy should stand by a fancy car
D．women’s social status is still low
小題5:The best title for this passage is ____________.
A．What about a Mr. World Contest?
B．History of Miss World Contest.
C．Quality or Appearance?
D．A Boy Standing beside a Fancy Car.

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科目：高中英語(yǔ) 來(lái)源：不詳 題型：閱讀理解

Children's lives have changed greatly over the last 50 years．But do they have a happier childhood than you or I did?
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Do these changes mean that children today have a less relaxing childhood than I had? I personally believe that they do, but perhaps every generation feels exactly the same．
小題1:What is the purpose of the direct question given in the first paragraph?
A．To show who the passage is written for
B．To gather people's opinions on childhood
C．To compare the childhood lives of two generations
D．To get people's attention and lead in the topic
小題2:Which is NOT a reason for the changes?
A．Families are smaller today
B．Toys can be played by children alone at home
C．It's too dangerous to play outside
D．Parents worried too much about their children
小題3:What has the writer focused on in the fourth paragraph?
A．Some games that young people play today aren't really good
B．Computer and video games have replaced the board games
C．Young people today shouldn't play electronic games
D．Board games are much more interesting than computer games
小題4:The writer's attitude towards the childhood changing is _____．
A．a(chǎn)pprovingB．objectiveC．unconcernedD．optimistic

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