Question

Wang Xuan, a graduate student at Johns Hopkins University, was planning to get Internet and TV service in the U. S. She went to Verizon, the U. S’ largest wireless communication service provider, only to be told that she couldn’t enjoy the service because her credit score wasn’t high enough.

In most Western countries, a credit score is a number that determines whether you are are a reliable person to lend credit to. A higher score means you have better personal credit. Your score is affected by your monthly debts, whether you pay bills on time and other types of information.

Wang is hardly alone in dealing with credit score trouble. Many Chinese overseas students lack the necessary knowledge about credit scores, even though it’s widely used in their everyday lives. Banks will check your score if you want to get a credit card. To get a loan, a good credit score is vital. It also matter, when you rent an apartment or buy a house. Its influence doesn’t end there. An increasing number of employ now check the credit scores of applicants. You can’t ignore that a credit report can be a judge of character.

So how can you get a good credit score? Make your repayments on time and pay off your accounts early if you can. If you’re using to pay off debts, make sure you keep enough cash in an easy access savings account for emergencies. If you want to improve your credit rating immediately, you should fix any problems on your credit file before you start applying for a loan. Also, cancel any credit cards that you’re not currently using.

1.What problem did Wang Xuan have?

A. Her credit score was too low.

B. Her credit affected graduation.

C. She couldn’t enjoy public services.

D. She couldn’t stay in the U. S. any more.

2.Why do students like Wang have credit score trouble?

A. Credit score is too hard to improve.

B. They don’t know well of credit score.

C. Credit score is hardly used in their life.

D. They lack access to relevant knowledge.

3.What does the underlined word “judge’’ in Paragraph 3 probably mean？

A. The official in control of a court.

B. Someone to decide on a competition.

C. Fact to prove something true.

D. Ability to do something well.

4.What may cause credit score trouble?

A. Having few monthly debts.

B. Using savings to pay off debts.

C. Paying off your accounts early.

D. Having little cash in an account.

Answer

1.A

2.B

3.C

4.D

【解析】

本文属于说明文，介绍信用分数在美国非常重要，涉及到生活的方方面面；而中国留学生在这方面的知识缺乏和重视程度不够，很可能导致他们在美国无法使用某些服务。最后提供几条如何得到好的信用评分的方法。

1.细节理解题。根据第一段She went to Verizon, the U. S’ largest wireless communication service provider, only to be told that she couldn’t enjoy the service because her credit score wasn’t high enough.可知，由于信用分数过低，无法给她开通电视和网络服务，故选A。

2.细节理解题。根据第二段Many Chinese overseas students lack the necessary knowledge about credit scores, even though it’s widely used in their everyday lives.可知，尽管信用分数涉及到生活的方方面面，但是中国留学生缺乏必要的知识，而不是缺乏了解信用知识的渠道，换句话说，对信用分数不了解，故选B。

3.词义猜测题。根据前文it’s widely used in their everyday lives可知，正是因为信用被用在很多方面，因此不能忽视信用评估报告的作用，甚至可以是对一个人的性格的鉴定，故C项（证明某事是真的事实）正确。

4.细节理解题。根据最后一段If you’re using to pay off debts, make sure you keep enough cash in an easy access savings account for emergencies.可知，如果处于还信用卡的时期，确保储蓄卡里留有足够的金额以防备用，也就是说，如果没有足够的现金，很有可能导致信用卡不能按时还款，导致信用受损，故D切题。