银行系统招聘考试英语（中国农业银行）历年真题试卷汇编12
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No credit，bad credit：hear the terms often enough and they can blur together．These credit statuses aren’t one and the same，though．
Whether you have no credit or bad credit， one thing’s for sure： You don\’t have good credit． And without good credit，you’ll face an uphill battle any time you apply for a loan or credit card．
Potential lenders will want to know that you will almost certainly repay any money that you borrow．They likely won’t risk loaning money or extending credit to those whose creditworthiness is a big question mark or，worse，who have a track record of poor money management．
If you fall into either of these categories， it’s smart to focus on raising your credit scores．
If you have no credit score， you don’t have a credit history． If you have bad credit． it，s likely that you’we mishandled credit in the past．And these two less-than．ideal credit standings require different solutions．
If you fall in the no-credit category，you haven’t necessarily made any financial mistakes．In this case，a good way to start building that history is to acquire a credit card for people with no credit．Secured credit cards(which require a security deposit) or college student credit cards are typically the easiest to qualify for if you have no credit．A credit．builder loan can also help you establish credit．
Bad credit can be a result of financial missteps，including missing payments，defaulting on loans，or having accounts sent to collections．If you fall into this category and need credit，you’ll need to look for a bad-credit credit card． A secured card or credit-builder loan is a good option in this situation． as well．You also may qualify for a bad-credit personal loan． If you still have open accounts，pay down the balances but don’t close credit accounts if you can avoid it．
People with no credit are just starting to build their financial reputation，while those with bad credit are doing damage control．
Moving from one of these less desirable situations to a good credit standing may use different tools，but the method is much the same： Make your payments on time and keep you；debt low． It takes diligence and dedication，but it can be done．
1.Which topic has not been covered in the passage?(D)
A. Next steps to take for people in different categories．
B. How no credit and bad credit are different．
C. How no credit and bad credit are similar．
D. All the above have been discussed in the passage．
解析：事实细节题。根据文章第四段“If you fall into either of these categories，it’s smart to focus on raising your credit scores”可知，如果你属于这两类中的任何一类，集中精力提高你的信用分数是明智的。而且文章第五段开始对不同信用情况的人进行讨论，选项A“针对不同类别的人进行的步骤”，符合文意。选项B“无信用和信用差的不同情况”，文章第五段解释了无信用和信用差的含义及所需的解决方法，符合文意。选项C“无信用和信用差相似”，文章第二段表示在没有良好的信用记录的情况下，申请贷款或者信用卡都很困难。综合各个选项，以上文章都有提及到，故选D。
2.It can be inferred that the potential lenders ________.(C)
A. will probably loan money to bad-credit people as they still have open accounts
B. will probably loan money to no-credit people as they haven’t made any financial mistakes
C. won’t risk loaning money or extending credit to no-credit person or bad-credit person
D. none of above
解析：推理判断题。根据文章第三段第二句“They likely won’t risk loaning money or extending credit to those whose creditworthiness is a big question mark or，wors
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