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  3. However you view credit cards, it’s hard to live in the modern world without

However you view credit cards, it’s hard to live in the modern world without

游客2023-09-18  31
问题     However you view credit cards, it’s hard to live in the modern world without one. And if you have one, you owe it to yourself to use it properly.
    Although credit cards are becoming a more acceptable part of the financial scene, they are still regarded with suspicion by many as being a major part of the "live now pay later" syndrome. Along with hire purchase, rental and leasing schemes, they provide encouragement to spend more money. They can allow you to pile up debts that you have difficulty paying off, they can also let you spend next month’s salary today. Of course, it is only the foolhardy who succumb to the temptation to live, temporarily at least, beyond their means, and such people would no doubt manage to do so even without credit cards.
    Advertising campaigns have, however, promoted a growing realization of the advantages of these small pieces of plastic. They obviate the need to carry large amounts of cash and are always useful in emergencies. All the credit card organizations charge interest on a monthly basis which may work out as high as 25 per cent a year, yet judicious purchasing using a card can mean that you obtain up to seven weeks interest free credit. Using the card abroad where items frequently take a long time to be included on your account can extend this period even further.
    It is worthwhile shopping around before deciding on a particular credit card. It is necessary to consider the amount of credit granted; interest rates, which may vary slightly; the number and range of outlets, though most cards cover major garages, hotels, restaurants and departments stores; and of course, what happens if your card is lost or stolen. A credit card thief may be sitting on a potential gold mine particularly if there is delay in reporting the loss of the card.
    Using a credit card wisely takes discipline and a little self-control. Once you realize your debt is someone else’s profit margin, your approach to your plastic will change. With a bit of discipline and some savvy, you can make your cards work for you, rather than the other way round. As a matter of fact, a credit card can cost nothing or at least help to tide you over a period of financial difficulty.
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答案 live now and pay later/use tomorrow’s money/spend more money than they can afford/spend more money than necessary/spend more money than they do without them
解析 第2段第1、2句。事实细节题。题干中lure是原文encouragement的同义表达，因此encouragement后的不定式为本题提供了答题依据。此外，第1句的live now pay later意思与之相近，也可为答案。
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