Question

B  [2015 •安徽合肥高三二检]

Personal money management website Mint, com suggests recently that responsible parents should give their kids credit cards―possibly starting as young as middle school. The web?site says a credit card will help children master responsible spending habits and give parents the chance to teach them some valuable lessons.

It's absolutely true that kids should learn about how a credit card works and how to use it responsibly. But the idea that they need a card of their own to practise this is questiona?ble.

Yes, credit cards are a teaching tool, but it's the time you spend educating them about money management that does the teaching, not the piece of plastic. Sit down with your children—here we are referring to teenagers and walk them through your credit card statements. Point out important things like the due date, late fee warning, and APR(贷款年利率）.

If you have good credit, adding a child as an authorized user onto one of your credit cards also provides teachable mo?ments. Allow kids to use the card to make specific purchases and require their participation in payment.

Since the card is still in your name, you can take them off it at any point and cut off their access if they're not able to handle the responsibility.

Another option is to set a child up with an account at a local bank that offers free use of a debit card(借记卡).Unlike the credit card, the debit card has no overdraft (透支) function.

Children can only use the card to pay for things and the money is taken directly from their bank accounts. If the ac?count is empty, the worst that will happen is the card being declined at a cash register.

5. Why does Mint, com advise parents to give middle school kids credit cards?

 

A.     To leave their kids financially independent.

B.     To help their kids form good spending habits.

C.     To teach their kids how to save pocket money.

D.     To strengthen the relationship with their kids.

6.The author considers a credit card as a teaching tool be?cause .

 

A.     it motivates teenagers to ask their parents for less fi?nancial support

B.     it helps teenagers to know some basic knowledge of credit cards

C.     it contains detailed financial information on the card surface

D.     it offers parents the chance to teach kids to manage money

7.What is the purpose of adding kids as credit card author?ized users?

 

A.     To avoid extremely high overdraft fees.

B.     To encourage them to share household expenses.

C.     To teach them to be responsible credit card users.

D.     To help them pay close attention to their bank accounts.

8.What is most likely to be discussed in the paragraph that follows?

 

A.     Further information about debit cards.

B.     The overdraft function of a debit card.

C.     More disadvantages of credit cards.

D.     The kids' attitudes towards a credit card.

Answer 1

B [文章大意]本文是一篇说明文，主要介绍了一家网站向家长们建议给自己的孩子办理信用卡的事情，说明了为孩子办理信用卡对于培养孩子的消费习惯、责任感等方面有教育意义。

5. B 细节理解题。根据第一段的"The website says a credit card will help children master responsible spending habits and give par?ents the chance to teach them some valuable lessons.，，可知，这家网站建议父母让孩子尽早使用信用卡是为了帮助他们养成良好的消费习惯。故选B项。

6.D推理判断题。根据第三段的"Yes， credit cards are a teaching tool, but it's the time you spend educating them about money management that does the teaching, not the piece of plastic.，，可知，作者认为信用卡是一种教育工具主要是因为它为父母提供了一个教育子女理财的机会。故选D项。

7. C 推理判断题。根据第四段的"If you have good credit, adding a child as an authorized user onto one of your credit cards also provides teachable moments. Allow kids to use the card to make specific purchases and require their participation in payment.，，及

第五段的内容可知，让孩子们成为信用卡授权用户可以帮助他们成为有责任感的信用卡使用者。故选c项。

8.A 推理判断题。文章末段"Children can only use the card to pay for things and the money is taken directly from their bank ac?counts. If the account is empty, the worst that will happen is the card being declined at a cash register."可知，作者接下来要讲述与借记卡有关的内容。故选A项。