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2020福建银行春季校园招聘考试模拟练习题(四十六)

2019-12-17 11:07:42   中公金融人网   来源: 福建银行招聘网

英语(阅读理解)

They are the knickknacks of your personal financial lives: those old credit cards youseldom use. You might dust them off occasionally and charge something, but they oftenremain tucked away in a drawer or wallet, unused and overlooked.

Every once in a while, though, you may wonder what do they do to your credit scores.

A consumer recently asked us:

“How frequently should I use my seldom-used credit cards?” (“Such store credit cardsthat I might use every few years?”)

The basic answer is that most credit scoring models don’t reward you for frequentactivity on your accounts — or penalize you for lack of activity. Instead they generallyfocus on factors such as your balances and whether you pay on time. (There are models thatmay look at your activity to target you for special promotions, but that’s another matter.)If you stop using a card, there is a risk that your issuer may close it, and that mayreduce your available credit.

On the other hand credit card expert Jason Steele says he doesn’t worry too muchabout issuers canceling his old accounts. He said:

“In most cases, you will not have your credit card account closed for inactivity. Manycredit cards charge an annual fee, which the banks are certainly happy to collect, even if youdon’t cancel your card. Yet even the no-fee cards rarely have inactivity clauses, so it is notmuch of a concern. I have some cards that I use very rarely, less than once a year onaverage, but I keep the account open and have never been canceled for inactivity.”

26. What does credit card expert Jason Steele say about inactivity?

A. Your credit card account will never be closed for inactivity.

B. Some of his card accounts are closed because he seldom uses them.

C. Inactivity often has little impact on the cancellation of credit card account.

D. Inactivity leads to a reduction of your credit available.

答案解析:

26.【答案】C。解析:推断题。Jason Steele 直说了大多数情况下,而非绝对,故A 可排除;B 在原文中未提及;D 是作者的观点而非 Jason Steele 所言,故排除。根据最后一句话 I have some cards that I use very rarely, less than once a year on average, but Ikeep the account open and have never been canceled for inactivity. 可知,不经常使用信用卡对取消信用卡账户不会有影响。故答案选 C。

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