Question

B  [2015 •安徽合肥高三二檢]

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 web?site 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 questiona?ble.

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 children—here we are referring to teenagers and walk them through your credit card statements. Point out important things like the due date, late fee warning, and APR(貸款年利率）.

If you have good credit, adding a child as an authorized user onto one of your credit cards also provides teachable mo?ments. 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 a child up with an account at a local bank that offers free use of a debit card(借記卡).Unlike the 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 accounts. If the ac?count is empty, the worst that will happen is the card being declined at a cash register.

5. Why does Mint, com advise parents to give middle school kids credit cards?

 

A.     To leave their kids financially independent.

B.     To help their kids form good spending habits.

C.     To teach their kids how to save pocket money.

D.     To strengthen the relationship with their kids.

6.The author considers a credit card as a teaching tool be?cause .

 

A.     it motivates teenagers to ask their parents for less fi?nancial support

B.     it helps teenagers to know some basic knowledge of credit cards

C.     it contains detailed financial information on the card surface

D.     it offers parents the chance to teach kids to manage money

7.What is the purpose of adding kids as credit card author?ized users?

 

A.     To avoid extremely high overdraft fees.

B.     To encourage them to share household expenses.

C.     To teach them to be responsible credit card users.

D.     To help them pay close attention to their bank accounts.

8.What is most likely to be discussed in the paragraph that follows?

 

A.     Further information about debit cards.

B.     The overdraft function of a debit card.

C.     More disadvantages of credit cards.

D.     The kids' attitudes towards a credit card.

Answer 1

B [文章大意]本文是一篇說明文，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，說明了為孩子辦理信用卡對于培養(yǎng)孩子的消費習慣、責任感等方面有教育意義。

5. B 細節(jié)理解題。根據(jù)第一段的"The website says a credit card will help children master responsible spending habits and give par?ents 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項。

6.D推理判斷題。根據(jù)第三段的"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項。

7. C 推理判斷題。根據(jù)第四段的"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.，，及

第五段的內(nèi)容可知，讓孩子們成為信用卡授權(quán)用戶可以幫助他們成為有責任感的信用卡使用者。故選c項。

8.A 推理判斷題。文章末段"Children can only use the card to pay for things and the money is taken directly from their bank ac?counts. If the account is empty, the worst that will happen is the card being declined at a cash register."可知，作者接下來要講述與借記卡有關(guān)的內(nèi)容。故選A項。