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  3. [audioFiles]2016m8x/audio_ezfj_ezflisteningd_201607_152[/audioFiles] Credit

[audioFiles]2016m8x/audio_ezfj_ezflisteningd_201607_152[/audioFiles] Credit

游客2023-11-01  53
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答案     Credit Cards on Campus
    Most undergraduates in the United States last year had at least one credit card. / Half had four or more. / Borrowers who do not pay their card debt in full each month / have to pay interest on whatever balance remains. / In a time of economic downturn, / college students are depending on credit cards more than ever. / Many seem to use them to live beyond their means / —to spend more than they have. /
    However, a new law makes it harder for banks / to give credit cards to people under 21. / To get a credit card, they need a parent or other adult over 21 to accept joint responsibility. / Or they need to show they can repay their debts independently. / Also, schools are urged to consider limiting the number of places on campus / where companies can market credit cards. / And they are urged to offer credit card and debt education and counseling sessions to all new students. /
解析     校园里的信用卡
   去年，大部分的美国大学本科生每人至少拥有一张信用卡。如果持卡人每月未还清卡上的所有债务，账户里的所有余额都将用来偿还利息。在经济衰退时期，大学生比以往更依赖信用卡，但其花费却往往高于自己的实际收入水平。然而，一项新法律让银行给21岁以下的人发信用卡的难度增大了。21岁以下的学生在申请信用卡时，要求其父母或其他21岁以上的成年人承担连带责任。
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