首页
登录
职称英语
In business, many places adopt a credit system,which dates back to ancient t
In business, many places adopt a credit system,which dates back to ancient t
游客
2023-12-18
26
管理
问题
In business, many places adopt a credit system,
which dates back to ancient times. At present, purchases
can be made by using credit cards. They fall
into two categories: one has【1】______use, while 【1】______
the other is accepted almost everywhere. The
application for the use of the latter one must be made at a
【2】______. 【2】______
Once the customer starts using the card, he will
be provided with a monthly statement of【3】______ 【3】______
by the credit company. He is required to pay one
quarter to half of his credit【4】______every 【4】______
month.
Advantages. 1. With a card, it is not
【5】______to save up money before an actual pur- 【5】______
chase. 2. If the card is lost, its owner is protected.
3. A【6】______and complete list of purchase 【6】______
received from the credit company helps the owner to
remember the time and【7】______of his purchase. 4.【7】______
The cards are accepted in a(n)【8】______by 【8】______
professional people like dentists, etc.
Major disadvantage. The card owner is tempted
to【9】______his money. If this is the case, it will【9】______
become increasingly difficult for the user to keep up
with the required【10】______, which will result in【10】______
the credit card being cancelled by the credit company. [br] 【9】
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’s secretary. Now, let’s get down to the lecture.
Today, the lecture is on credit, er, 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 card 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 airplane tickets, stay at hotels and eat at restaurant 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--50% of their 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 to 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, taxidrivers, 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
overspend/overuse/over consume
解析
转载请注明原文地址:https://tihaiku.com/zcyy/3283633.html
相关试题推荐
【B1】[br]【B9】将systems改成organisms。“livingorganisms表示“生物”。systems可以表示(机体内多个器官组成的
Inadditiontothenationalsocialsecuritysystem,17specialpensionschem
【B1】[br]【B7】seen→understood前半句中express的宾语是thesystem,不可作seen的宾语,可改为understood。
Accordingtothenews,whatmakesthiscreditcarddifferentfromconventionalo
ThemiserablefateofEnron’semployeeswillbealandmarkinbusinesshisto
Accordingtothepassage,thenewcollege-entrancesystemisdesignedto______.
【B1】[br]【B9】of→on介词误用。emphasis后应该跟介词On,表示“重视…”,例如:OurEnglishcourseplacesgr
TheH5N1birdfluhasbeenfoundinallthefollowingplacesEXCEPT[originaltex
Whatisnottheelementindefininglanguage?A、systemicB、arbitraryC、symbolD、v
TheoriginoftheAmericanpartysystemcanbetracedto______.A、thestruggleb
随机试题
软件项目的质量,主要用()和软件测试两种方法配合使用来保证。A.技术评审
从高级控制点A开始,经过所选控制点又回到起始点A的导线,称为( )。A、闭合导
个人商用房贷款利率不得低于()。A.相应期限贷款市场报价利率(LPR)+3
对二叉树模型说法正确是( )。 Ⅰ.模型不但可对欧式期权进行定价,也可对美式
Theprogramisbeingcarriedoutwithgr
工作之余,当有同事似乎有点牵强地指出你的不足时,你一般会说()。A.“你说得有道
某地成年男子红细胞数普查结果为:均数为480万/mm,标准差为41.0万/mm,
(2020年真题)甲公司为居民企业,主要从事电子产品的生产和销售业务。2019
材料采购合同的质量验收方法中,通过目测、手触或以常用的检测工具量测后,判定质量是
(三)危险化学品安全技术 动火作业使用测爆仪时,被测气体或蒸气的浓度应小于或等
最新回复
(
0
)