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    Which credit card do you find the best, as a woman? As a sports lover, which credit card serves you best? Questions like these threw up the first credit cards ranking by top Chinese credit card doorway 51credit.com and Shanghai-based poll firm 51poll.com as they released the result of a three-month survey via Internet and telephone.

    The ranking came from the survey of 20,000 cardholders in more than 100 cities, according to Tu Zhiyun, CEO and founder of 51credit.com. China Merchants Bank (CMB), one of the best performing commercial banks and the largest card issuer in China, was rated the best in the general group for its popular dual-currency (双币) credit card. Shanghai-based Pudong Development Bank was crowned the best in the platinum (白金) card for successfully targeting high-end customers, thanks to its close cooperation with Citibank (花旗银行). The Industrial and Commercial Bank of China, topped the ranking in the co-branded (联名的) group for its card issued in association with China National Petroleum Corporation, China's largest oil company.

    Several others got the top honors as the best credit card for women, travel, sports and best design. The total number of credit cards in China is around 30 million, compared with 500 million in the United States. The growing wealth of the Chinese people has added attraction to the credit card business. The number of credit cards issued is expected to double in 2007．

    However, most banks are losing money in their credit card businesses as a large portion of the cards have apparently never been used since they were issued. CMB is currently the only commercial bank to have made a profit in the section. The bank said the circulation of its dual-currency credit card reached 10 million by the end of 2006, a jump of 100 percent from 2005, and accounted for 35 percent of the credit card market in China.

    1．Which of the following has close relationship according to the text?

    　 A．China Merchants Bank; the co-branded credit card

    　 B．Shanghai-based Pudong Development Bank; the platinum credit card

    　 C．The Industrial and Commercial Bank of China; the dual-currency credit card

    　 D．Citibank; China National Petroleum Corporation

    2．The number of credit cards issued in China in 2007 will reach about _____.

    　 A．10 million 　　　　　　　　 B．30 million 　

    　 C．60 million 　　　　　　　　 D．500 million

     

    3．If more people used credit cards in their businesses, banks would _____.

    　 A．make profits 　　　　　　　　　　　　　　　 B．restrict the number of cards

    　 C．lose money 　　　　　　　　 D．charge holders more

    4．Which statement is true according to the text?

    　 A．The survey was conducted by 20,000 cardholders in more than 100 cities.

    　 B．The growing number of credit cards attracts more foreign investigations.

    　 C．No bank makes profits in credit card businesses.

    　 D．More and more Chinese people will hold credit cards.

     

    这是一篇时尚类阅读材料。由“我爱卡”网站和上海51poll.com联合进行的一项调查表明，在我国首届信用卡排名中，招行发行的双币信用卡最受宠。

    1．B。事实归纳题。由第二段内容“招商银行发行的是双币信用卡；上海浦东发展银行发行的是白金信用卡；中国工商银行发行的是联名信用卡；花旗银行与上海浦东发展银行有合作关系。”可知B项正确。

    2．C。数字计算题。根据第三段内容“目前，我国信用卡的流通卡数大约为3000万张， 2007年我国的信用卡流通卡数预计将翻一番。”短文中double一词很关键。

    3．A。推测题。根据最后一段第一句意义：大多数银行在信用卡业务上都是亏本运作，因为很大一部分信用卡被发行之后根本没被使用。由此推测，使用的人越多，银行就越赚钱。

    4．D。细节题。根据第一段最后一句“中国信用卡门户网站“我爱卡”和上海51poll.com调查公司开展了一项为期三个月的互联网和电话调查”可排除A项；第三段提到了“中国人收入的不断提高是信用卡业发展的一大动力。”并没有提到“吸引更多的外资”，可排除B项；短文最后一段提到“招行是国内目前唯一一个能在信用卡业务上赚得利润的银行。”由此可排除C项。再根据近年来持卡人数目的不断攀升可知D项正确。

     

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    Whatever we may need to buy，we can use our credit cards．This is a change from the older days when we had to first check whether cards were accepted．Today，everybody, from retailers（零售商) to lenders，accepts credit cards．Attitudes towards credit cards have also changed a lot．People used to be

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       The credit card is much easier to carry than cash and it is not at all surprising that the former becomes the most preferred way of payment．A credit card takes up very little space in our wallets，and yet，it holds the power of a large sum of cash．Paying by credit cards is also a good way of keeping bills on where all of our money goes．  

       Moreover，it has become much easier to get credit cards these days．I constantly have cold callers calling up to offer me “great new credit card deals”．Salesmen occasionally walk into our office offering discounts if a group of people decide to sign up a certain kind of credit card plan at the same time．However，this can also cause a problem．Nowadays，we always run the

    risk of getting some kinds of wastes．When the terms seem too good to be true，we should make sure that we always read the printed items carefully．Before signing for a credit card，it is necessary to know its advantages and disadvantages．The only way to deal with this is to do our homework, before we go credit card hunting．   

    1.We learn from Paragraph 1 that      ．   

    A．people can use credit cards anytime，anywhere   

    B．people used to have to check up on credit cards   

    C．people are more careful using credit cards nowadays  

    D．people can take their goods home just by swiping their cards 

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     D．they help users keep track of what they spend on  

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     B．understand the dangers   

     C．read every word of the contract carefully  

     D．understand that the salesman is most likely to offer false information   

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    A．we should know the advantages and disadvantages of credit cards before using them  

    B．we should finish work before going shopping with a credit card   

    C．we should check which credit cards are accepted before using them 

    D．we should make sure that our credit cards are real before using them

     

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