點擊查看：2015年6月英語四級仔細閱讀練習及答案解析匯總

　　Passage Two

　　Questions 61 to 65 are based on thefollowingpassage.

　　Milleunials(千禧一代)have a reputation for being pretty savvy(聰慧的)with technology and social media——not to mention their finances----一but today’s young adults are clueless when it comes to knowledge of their credit.

　　A new study conducted by the Consumer Federation of America and VantageScore Solutions finds that 18-34 year-olds lag behind older Americans on credit knowledge.Not that older generations are whiz kids when it comes to credit——just over 40%of consumers surveyed even know what their credit score measures，for instance—but millennials have the dubious distinction(區(qū)別)of being even less-informed than other age groups.

　　Only around half of milleunials have ever even bothered to order a free copy of their credit report，as compared to about three.quarters of older people surveyed.

　　They’re more likely to think age plays a role in credit scoring，that the government keeps track of consumer credit data and that credit repair services can legitimately fix your credit(by and large，they Can’t).And while most of them know that a lot of credit card debt，declaring bankruptcy and missing payments can affect their credit，only 6%got everything fight when they picked from a list of factors that could potentially impact their score.

　　Young adults have a pretty poor grasp on how far-reaching this impact is：Only 1 8 percent knew that utility companies，cell phone carders，mortgage lenders and home insurers，landlords and credit card companies can all use a consumer’s credit when doing business with them.

　　They’re also unaware of the financial consequences of bad credit.just 1 5%knew that a bad credit score could cost more than$5，000 in higher interest payments over the life of a car loan.

　　One factor that seems to make a difference in how much credit knowledge people have is whether or not.mey’ve actually goRen their free credit report(if you’re one of the many who haven’t，you can do so at annualcreditreport.corn).Interestingly,

　　people who got their credit reports knew more than those who had just gotten their credit scores.

　　“Those who are interested in their credit reports are probably also interested in their credit scores.”CFA executive director Stephen Brobeck says in a statement.“It’s so easy to go online and get your free reports that this action likely motivates people to learn more about credit scores.”

　　61.What does the word“whiz kids”mean(Line 3.Para.2)?

　　A.Children who are very naughty.

　　B.Children who are a little dull.

　　C.Children who are extraordinarily smart.

　　D.Children who quite sensitive.

　　62.What do the millennials think of credit?

　　A. Credit scoring has nothing to do with age.

　　B. Declaring bankruptcy can lead to bad credit data.

　　C. Government will never track a consumer’s credit.

　　D. It doesn’t matter if you have any credit card debt or not.

　　63.Which of the following statement about credit report is TRUE?

　　A. You can get a free copy ofyour credit report from the website.

　　B. People interested in credit report can’t be interested in credit scores.

　　C. People with credit reports have little knowledge of credit scores.

　　D. Getting the copy of credit report may discourage people to leam more about credit.

　　64.What can be inferred from this passage?

　　A.Millennials prefer to get their credit reports than to have credit scores.

　　B.You can ask credit repair services to fix your credit.

　　C.Despite of bad credit，a mortgage lender Will trade with you.

　　D.With bad credit,you’ll have to pay a higher loan interest.

　　65.What’s the main idea ofthis passage?

　　A.Millennials are not smart enough to learn about credit.

　　B. Millennials should learn more about credit scores.

　　C.Millennials should get their credit reports.

　　D.Milleunials should realize the consequences ofbad credit.

　　61.What does the word“whiz kids”mean(Line 3，Para.2)?文中第二段第三行的“whiz kids”是什么意思?

　　A.Children who file very naughty.很淘氣的小孩。

　　B.Children who are a little dull.有點木訥的小孩。

　　C.Children who are extraordinarily smart.特別聰的小孩。

　　D.Children who quite sensitive.很敏感的小孩。

　　62.What do the millennials think of credit?千禧一代對信用有什么看法?

　　A.Credit scoring has nothing to do with age.信用得分與年齡無關。

　　B.Declaring bankruptcy Can lead to bad credit.宣告破產會導致不良的信用。

　　C.Government will never track a consumer’s credit data.政府不會追蹤消費者的信用數據。

　　D.It doesn’t matter ifyou have any credit card debt or not.無論你有沒有大量的信用卡債務都無關緊要。

　　63.Which ofthe following statement about credit report is TRUE?下列關于信用報告的說法哪個是正確的?

　　A.You Can get a free copy ofyour credit report from the website.你可以從網上拿到信用報告的免費副本。

　　B.People interested in credit report Can’t be interested in credit scores.對信用報告有興趣的人不會對信用得分感興趣。

　　C.People with credit reports have little knowledge ofcredit scores.有信用報告的人不了解信用得分。

　　D.Getting the copy ofcredit report may discourage people to learn more about credit.拿到信用報告副本會使人喪失學習有關信用知識的信心。

　　64.What can be inferred from this passage?從文中可以推斷出什么?

　　A.Millennials prefer to get their credit reports than to have credit scores.千禧一代更傾向于選擇信用報告而不是信用得分。

　　B.You Can ask credit repair services to fix your credit.你可以讓信用修復服務幫你修復信用。

　　C.Despite of bad credit，a mortgage lender will trade with you.即使有不良的信用，抵押貸款者也會跟你做交易。

　　D.With bad credit，you’Il have to pay a higher loan interest.如果信用不良，你將不得不支付更高的貸款利息。

　　65.What’S the main idea ofthis passage?文章主旨是什么?

　　A.Millennials are not smart enough to learn about credit.千禧一代不夠聰明，無法學習有關信用的知識。

　　B.Millennials should learn more about credit scores.千禧一代應該學習更多關于信用的知識。

　　C.Millennials should get their credit reports.千禧一代應當拿到他們的信用報告。

　　D.Millennials should realize the consequences ofbad credit.千禧一代應當認識到不良信用的后果。

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