首页
登录
职称英语
【L1】 [br] 【L5】 [originaltext] Good morning, everyone. First about your second
【L1】 [br] 【L5】 [originaltext] Good morning, everyone. First about your second
游客
2023-12-11
5
管理
问题
【L1】 [br] 【L5】
Good morning, everyone. First about your second assignment. I’d like to remind you that your second assignment should be in by next Friday. You can either put it in my pigeon hole or leave it with the department secretary. Now, let’s get down to the lecture.
Today the lecture is on credit or, to be more specific, on credit cards. I’m sure you must have heard of some credit cards like the Visa Card, which is an internationally used card or the Great Wall Card issued by the Bank of China. In order to give a better understanding we’ll discuss it in some detail. Many businesses, such as department stores, restaurants,
hotels and airline companies use a credit system for selling their products and services. In a credit system the seller agrees to sell something to the buyer without immediately receiving cash. He receives the goods or services immediately and promises to pay for them later. This buy-now-pay-later credit system is quite old. There are two types of credit cards. One type is issued directly by a store to a customer. Many large department stores issue credit cards to their customers. The store credit card can be used to make purchases only at a particular store. For example, if you have a credit card from Store A, then you can only buy things in that store. Other stores would not accept it. The other kind of credit cards is issued by a credit company. Credit cards from credit companies can be used to buy things almost anywhere. If you have a major credit card, you can buy air plane tickets, stay in hotels and eat in restaurants with it. Most large credit companies are connected to large banks. So if you want a credit card from a credit company, you generally have to make an application at a bank. After an applicant receives a credit card, he or she can make purchases using the card. The credit company sends the customer a statement of purchases at the end of each month. Generally the customer has to pay 25 to 50 percent of his credit bill every month. The customer pays directly to the credit company and the credit company pays to the store or hotel or restaurant.
There are some advantages and some disadvantages of using credit cards. The biggest advantage for the consumer is expressed by the phrase "Buy now, pay later". This means that the consumer can purchase what he wants when he wants it. There is no need to save up money in advance. Another advantage of having a credit card is that it protects the owner. If a credit card is lost or stolen, the owner only has to call the credit company, and the credit company will stop the credit card number. No one else can use it. So the owner doesn’t have to worry about losing the card.
Another advantage of the credit card system is that the consumer receives a record of his or her purchases. Every month the credit customer receives a bill. The bill has a list of all purchases from that month. This makes it easier to remember when and where purchases are made. And another advantage is that credit cards can be used when something unexpected happens. Many kinds of professional people—plumbers, taxi drivers, doctors and dentists will accept credit cards in an emergency. This is very important if you don’t have any cash with you.
However, having said all that, using credit cards has one major disadvantage, that is, consumers tend to overspend their money. They spend more than they make. If a consumer buys a lot of things on credit, he or she has to make large payments each month. Sometimes it becomes impossible to keep up with the payments. As a result, the consumer’s life becomes more and more difficult. If the consumer cannot make the payments, his card will be taken away. It will be very difficult for him to get another credit card in the future.
To sum up briefly, we can see a credit buying system has both advantages and disadvantages. On the one hand it gives people convenience in life and on the other it tends to encourage overspending.
选项
答案
necessary
解析
转载请注明原文地址:https://tihaiku.com/zcyy/3263200.html
相关试题推荐
ThesecondpopulationmovementintheUnitedStatesbetween1890and1920mainly
Wearelivinginwhatwecallthesecondgreatchangeinthestateofman.
Wearelivinginwhatwecallthesecondgreatchangeinthestateofman.
Wearelivinginwhatwecallthesecondgreatchangeinthestateofman.
Wearelivinginwhatwecallthesecondgreatchangeinthestateofman.
Wearelivinginwhatwecallthesecondgreatchangeinthestateofman.
Wearelivinginwhatwecallthesecondgreatchangeinthestateofman.
Oneofthemostfar-reachingconsequencesoftheSecondWorldWarwasthatit__
Ifasinglemovementfromoneelementtoasecondelementofthetongueisinvol
TheSapir-WhorfhypothesisisaboutA、secondlanguageacquisition.B、languageand
随机试题
人身保险合同属于()。A.定额保险合同 B.损失补偿保险合同 C.足额保
参与血小板聚集的主要因素有A.纤维蛋白原、GPⅠa/Ⅱa复合物、Ca B.纤维
封闭式基金的利润分配方式是()。A.股票分红 B.留存收益 C.现金
在医学伦理学中,不伤害原则要求在医疗护理实践中努力使患者的伤害及风险A.最大化
根据下列资料回答问题。 2010年底,全国高速公路里程为7.41万公里,居世
关于税务的设立登记,从2016年10月1日起正式实施()制度。A.三证合一,一
支托具有以下作用,除了A.支持作用 B.做间接固位体 C.防止食物嵌塞 D
(2016年真题)黄河公司系上市公司,为增值税一般纳税人,适用增值税税率13%
通过数字化工程信息模型,确保工程项目各阶段数据信息的( ),进而在工程建设早期
当项目实际工程量与估计工程量没有实质性差别时,由承包人承担工程量变动风险的合同形
最新回复
(
0
)