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Which credit card do you find the best, as a woman? As a sports lover, which credit card serves you best? Questions like these threw up the first credit cards ranking by top Chinese credit card doorway 51credit.com and Shanghai-based poll firm 51poll.com as they released the result of a three-month survey via Internet and telephone.

The ranking came from the survey of 20,000 cardholders in more than 100 cities, according to Tu Zhiyun, CEO and founder of 51credit.com. China Merchants Bank (CMB), one of the best performing commercial banks and the largest card issuer in China, was rated the best in the general group for its popular dual-currency (雙幣) credit card. Shanghai-based Pudong Development Bank was crowned the best in the platinum (白金) card for successfully targeting high-end customers, thanks to its close cooperation with Citibank (花旗銀行). The Industrial and Commercial Bank of China, topped the ranking in the co-branded (聯名的) group for its card issued in association with China National Petroleum Corporation, China's largest oil company.

Several others got the top honors as the best credit card for women, travel, sports and best design. The total number of credit cards in China is around 30 million, compared with 500 million in the United States. The growing wealth of the Chinese people has added attraction to the credit card business. The number of credit cards issued is expected to double in 2007．

However, most banks are losing money in their credit card businesses as a large portion of the cards have apparently never been used since they were issued. CMB is currently the only commercial bank to have made a profit in the section. The bank said the circulation of its dual-currency credit card reached 10 million by the end of 2006, a jump of 100 percent from 2005, and accounted for 35 percent of the credit card market in China.

1．Which of the following has close relationship according to the text?

　 A．China Merchants Bank; the co-branded credit card

　 B．Shanghai-based Pudong Development Bank; the platinum credit card

　 C．The Industrial and Commercial Bank of China; the dual-currency credit card

　 D．Citibank; China National Petroleum Corporation

2．The number of credit cards issued in China in 2007 will reach about _____.

　 A．10 million 　　　　　　　　 B．30 million 　

　 C．60 million 　　　　　　　　 D．500 million

 

3．If more people used credit cards in their businesses, banks would _____.

　 A．make profits 　　　　　　　　　　　　　　　 B．restrict the number of cards

　 C．lose money 　　　　　　　　 D．charge holders more

4．Which statement is true according to the text?

　 A．The survey was conducted by 20,000 cardholders in more than 100 cities.

　 B．The growing number of credit cards attracts more foreign investigations.

　 C．No bank makes profits in credit card businesses.

　 D．More and more Chinese people will hold credit cards.

 

這是一篇時尚類閱讀材料。由“我愛卡”網站和上海51poll.com聯合進行的一項調查表明，在我國首屆信用卡排名中，招行發(fā)行的雙幣信用卡最受寵。

1．B。事實歸納題。由第二段內容“招商銀行發(fā)行的是雙幣信用卡；上海浦東發(fā)展銀行發(fā)行的是白金信用卡；中國工商銀行發(fā)行的是聯名信用卡；花旗銀行與上海浦東發(fā)展銀行有合作關系�！笨芍狟項正確。

2．C。數字計算題。根據第三段內容“目前，我國信用卡的流通卡數大約為3000萬張， 2007年我國的信用卡流通卡數預計將翻一番�！倍涛闹衐ouble一詞很關鍵。

3．A。推測題。根據最后一段第一句意義：大多數銀行在信用卡業(yè)務上都是虧本運作，因為很大一部分信用卡被發(fā)行之后根本沒被使用。由此推測，使用的人越多，銀行就越賺錢。

4．D。細節(jié)題。根據第一段最后一句“中國信用卡門戶網站“我愛卡”和上海51poll.com調查公司開展了一項為期三個月的互聯網和電話調查”可排除A項；第三段提到了“中國人收入的不斷提高是信用卡業(yè)發(fā)展的一大動力。”并沒有提到“吸引更多的外資”，可排除B項；短文最后一段提到“招行是國內目前唯一一個能在信用卡業(yè)務上賺得利潤的銀行�！庇纱丝膳懦鼵項。再根據近年來持卡人數目的不斷攀升可知D項正確。

 

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B．they are more powerful than cash
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C．read every word of the contract carefully
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risk of getting some kinds of wastes．When the terms seem too good to be true，we should make sure that we always read the printed items carefully．Before signing for a credit card，it is necessary to know its advantages and disadvantages．The only way to deal with this is to do our homework, before we go credit card hunting．   

1.We learn from Paragraph 1 that      ．   

A．people can use credit cards anytime，anywhere   

B．people used to have to check up on credit cards   

C．people are more careful using credit cards nowadays  

D．people can take their goods home just by swiping their cards 

2.One of the main advantages of credit cards is that    ．

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 B．they are more powerful than cash   

 C．they are easy to get，and save money   

 D．they help users keep track of what they spend on  

3.When signing for a credit card，people should     .

 A．ask for a discount  

 B．understand the dangers   

 C．read every word of the contract carefully  

 D．understand that the salesman is most likely to offer false information   

4.In the last sentence the writer tells us that      ．  

A．we should know the advantages and disadvantages of credit cards before using them  

B．we should finish work before going shopping with a credit card   

C．we should check which credit cards are accepted before using them 

D．we should make sure that our credit cards are real before using them

 

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