Is it ever a good idea admitting a teenager to carry a credit card?
My kids watch closely as I swipe the card through the register. They’ve seen me do it hundreds, thousands of times. Cool. They are itching to swipe it through the machine themselves. When we walk out of the store with our groceries or pet food, or whatever, it’s almost as though money has not changed hands, painless, easy.
So it shouldn’t be shocking to discover that teenagers are being card carrying consumers in their own right. The question is, should they?
While some argue it’s best to teach kids how to use a credit card while still living under the family roof, not everyone agrees. Dave Ramsey, financial expert says getting credit card for your teenager is actually “an excellent way to teach him or her to be financially irresponsible.”
Now parents are required to co-sign on credit cards for children under 21. “If their name is on the credit card, then the parent may say, Hey, my name is on this. Don’t get me into trouble,” says Mary Beth Pinto, a marketing professor. “When parents were the co-obligors (共同借贷人), the children caused less debt. If the parents are the co-obligors, the tendency is that the parents were explaining how to use the cards.” Still, Pinto believes parents should start the process much earlier. “Yes, there has to be teaching going on and it has to start when they’re younger. You’re not going to get rid of credit cards. They are here to stay. You have to have them. You can’t fight progress,” Pinto said.
Ramsey, however, disagrees. “Throwing teens into a pool of (credit) sharks is a sure way to guarantee a life-time of heartache.” he said, “You can make online purchases and rent a car with a credit card. Of course, you must have money in your bank account before you can make a purchase with a credit card. But paying for things with money is what you are supposed to do.”
【小题1】The author mentioned her experience in Para 2 mainly to .A．prove the convenience of using credit cardsB．tell what impression credit cards leave on kidsC．give advice on using credit cards wiselyD．explain the pleasure credit cards bring to customers【小题2】The underlined word “itching” in Para 2 can be replaced by .A．eagerB．afraidC．embarrassedD．thankful【小题3】What’s Ramsey’s attitude towards teens’ using credit cards?A．He feels it is worth a try.B．He is very supportive.C．He is strongly against it.D．He considers it as a pleasant experience.【小题4】Pinto will most likely agree that .A．parents should let teens own their credit cards earlierB．you shouldn’t be in control of credit cardsC．it is never good for anyone to get a credit cardD．learning to use credit cards is practicalB
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(答案→)B
解析：这篇文章就孩子们是否应该使用信用卡这一话题，展开了讨论。有人赞同，有人反对。
【小题1】细节题：根据My kids watch closely as I swipe the card through the register. They’ve seen me do it hundreds, thousands of times. Cool. They are itching to swipe it through the machine themselves. When we walk out of the store with our groceries or pet food, or whatever, it’s almost as though money has not changed hands, painless, easy. 可知第二自然段中，作者提到自己的经历是要说明刷信用卡给孩子留下的印象，故选B。
【小题2】猜词题：根据Cool. They are itching to swipe it through the machine themselves.可猜出itching意思是渴望。Eager渴望；afraid害怕；embarrassed尴尬；thankful感谢，故选A。
【小题3】细节题：根据Dave Ramsey, financial expert says getting credit card for your teenager is actually “an excellent way to teach him or her to be financially irresponsible.” 可知Ramsey对于孩子使用信用卡的态度是强烈反对，故选C。
【小题4】细节题：根据“Yes, there has to be teaching going on and it has to start when they’re younger. You’re not going to get rid of credit cards. They are here to stay. You have to have them. You can’t fight progress,” Pinto said. 可知Pinto认为学习使用信用卡是很实际的，故选D。