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  3. When we talk about Americans barely into adulthood who are saddled with unbe

When we talk about Americans barely into adulthood who are saddled with unbe

游客2024-01-28  51
问题     When we talk about Americans barely into adulthood who are saddled with unbearable levels of debt. the conversation is almost always about student loan debt. But there’s a growing body of evidence suggesting that today’s young adults are also drowning in credit-card debt—and that many of them will take this debt to their graves.
    More than 20% overspent their income by more than $ 100 every single month. Since they haven’t built up their credit histories yet. it’s a safe bet that these young adults are paying relatively high interest rates on the resulting credit card debt.
    Although many young people blame "socializing" as a barrier to saving money, most of them aren’t knocking back $20 drinks in trendy(时尚的)lounges. They’re struggling with much more daily financial demands.
    To a disturbingly large extent, the young and the broke are relying on credit cards to make it until their next payday. This obviously isn’t sustainable in the long run. and it’s going to put a huge drag on their spending power even after they reach their peak earning years, because they’ll still be paying interest on that bottle of orange juice or box of spaghetti(意式面条)they bought a decade earlier.
    A new study out of Ohio State University found that young adults are accumulating credit card debt at a more rapid rate than other age groups, and that they’re slower at paying it off. " If what we found continues to hold true, we may have more elderly people with substantial financial problems in the future." warns Lucia Dunn, professor of economics at Ohio State. "If our findings persist, we may be faced with a financial crisis among elderly people who can’t pay off their credit cards. "
    Dunn says a lot of these young people are never going to get out from under their credit card debt. "Many people are borrowing on credit cards so heavily that payoff rates at these levels are not sufficient to recover their credit card debt by the end of their life, which could have loss implications for the credit card issuing banks." [br] What is said to be the consequence of young adults relying on credit cards to make ends meet?
选项 A、It will place an unnecessary burden on society.
B、It will give them no motivation to work hard.
C、It will exert psychological pressure on them.
D、It will affect their future spending power.
答案 D
解析 事实细节题。定位段明确指出，“年轻人和身无分文的人在很大程度上都依赖信用卡维持生计，直到下次发工资。从长远看，这样的做法很明显不会长久，会严重影响他们的购买力。”由此可见，年轻人依靠信用卡维持生计将影响他们将来的购买力，故答案为D)。
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