银行系统招聘考试英语（交通银行）历年真题试卷汇编7
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The increasing Americanization of Japanese life is evident in many ways．One such way isthe growing popularity of credit cards．Traditionally，in Japan，cash was the preferred form of payment in all daily purchases．Buying things on credit was seen as something to be avoided at all costs．This was especially true among the older generation who were not accustomed to the buy-now-pay-later ethic．On the other hand，Americans are well used to this form of paying for goods and services．Credit cards，along with checks，are relatively safe and easy to use．They are also now considered asa common form of identification，the other form of ID being a driver’s license．In fact，when renting a car in America，a credit card is required as an ID and，in addition，is the preferred form of payment．Many companies will not even accept cash on car rentals．
Credit cards offer Japanese consumers a number of conveniences．Customers can get discounts on certain items．Their names may be entered in lotteries where they can win cash prizes．Perhaps most importantly，though，easy credit is offered to borrowers．Those needing a loan，especially if they are young，can borrow money easily．These advantages have made credit cards increasingly popular and some of the traditional bias against them is being dispelled，especially among young people，who often have a number of different cards．
However，there are definite disadvantages to using credit cards．The availability of easy credit maybe one thing，but the high interest rates charged by card companies is quite another．In 2000，there were about 230 million credit cards in use in Japan；there were also about 140，000 bankruptcies．Many people were unable to control their credit card spending，and as a result，they went into debt．
Young people are especially vulnerable to the temptations of having a credit card．They often cannot resist spending money on expensive brand—name clothes，high-tech audio and video equipment，and luxurious trips abroad．It’s easier in stores，restaurants，gas stations–almost anywhere to pay with a simple piece of plastic rather than carrying cash．We thus lose all sense of the value of money and easily fall into debt．Once this happens it may cost us more than money．Excessive debt due to uncontrolled spending has led to the breakup of families，divorce，and in some cases even suicide．
1.In Japan，buying things on credit was seen as something to be avoided by________．(D)
A. those who were in debt or bankrupt
B. people who wished to save for retirement
C. young people who 8xe vulnerable to the temptations of having a credit card
D. the older generation who were not accustomed to the buy—now—pay—later ethic
解析：细节题。短文第一段第四、五句指出“Buying things on credit…avoided…true among the older generation who were not accustomed to the buy—now-pay—later ethic”，即在日本，人们避免用信用卡消费，特别是那些对先买后付款消费理念还不适应的老年人。故本题选D。
2.The bad part about having a credit card is that________．(D)
A. there are no discounts
B. the interest rates are higher if the card is new
C. those who use credit cards are often regarded as poor
D. uncontrolled spending often leads to debt and bankruptcy
解析：细节题。短文第三段讲使用信用卡消费的坏处。根据“Many people were unable to control their credit card spending，and as a result，they went into debt”，即很多人不能控制自己用信用卡消费，导致最后负债累累。故本题选D。
3.The most important serv
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