1 . How will the girl’s mother pay for the CD?

A．In cash.

B．By cheque.

C．By credit card.

2 . What does the man think about paying by phone?

A．It is easy.

B．It is secure.

C．It is comfortable.

3 . 阅读下面短文，在空白处填入1个适当的单词或括号内单词的正确形式。

With the rapid development of third-party mobile payment tools,     1    increasing number of consumers across China are using cashless payment methods.

Transactions(交易)    2    (involve) third-party mobile payments rose by 39. 1 percent in the first quarter of 2021 compared     3     the previous quarter to 74 trillion yuan. Although China has the most third-party payment accounts in the world, it is not the first country     4    (seek) a cashless society. Developed states like Sweden, Denmark and Singapore are also witnessing that increase.

However, the rapid development of cashless payments does not mean there are no challenges and criticisms. Alibaba’s Hema Fresh Store,     5     customers can shop, dine and order goods for delivery from their mobile phones via Alipay,     6    (come) into the spotlight recently. Media reports say that consumers can’t purchase goods with cash there, which would be considered     7    (legal).

Alipay and WeChat Pay, the nation’s two major third-party mobile payment tools, have also launched     8    (campaign) to encourage more merchants and customers to use cashless payment methods, which has caused concerns over     9     cash will soon disappear.

However, experts believe that a cashless society does not mean that cash will     10    (complete) disappear. As the economy grows, the circulation of cash is still very huge. In the long term, various payment methods will be used by consumers, and merchants should respect consumers’ payment habits.

4 . American Express Gold: Best “non-travel” travel card

Why it’s great in one sentence: The American Express Gold card earns tons of valuable Amex travel points on practically all the food-related purchases you’re making even when you are not traveling, and the credits available on the card nearly offset (抵消) its annual fee.

This card is right for: People who can use all of the card’s various credits and who spend significant money at restaurants, on food delivery services or at U.S. supermarkets while they are not on the road.

Highlights:

First, with the Amex Gold, you’ll earn 4 points for every dollar you spend on restaurants worldwide, and on up to $25,000 in annual purchases at U.S. supermarkets (1 point per dollar afterwards). Most food delivery services count as “restaurants” on this card, so that means the vast majority of your food purchases will earn 4 points, regardless of how you’re eating.

You’ll also earn 3 points per dollar when you book airfare directly with an airline, so if you’re looking to jump on any sales for flights later in the year, you can pay for them with the Amex Gold and earn extra points on those as well.

The points earned on this card are American Express Membership Rewards points, which are extremely useful. You can redeem (兑取现金) them directly for flights via Amex Travel at 1 cent each, but if you put in some extra effort and research, you can potentially get much more value from them by transferring them to any of Amex’s 21 airline and hotel partners, which include Delta Air Lines, JetBlue, Marriott and many more.

1. What can we know about the American Express Gold card?

A．It requires no annual fee.	B．It has a link with food purchases.
C．It is targeted at delivery services.	D．It.is right for restaurant managers.

2. If you spend $ 25,800 annually at U.S. supermarkets, how many points will you earn?

A．100,000.

B．100,800.

C．103,200.

D．400,000.

3. What can you do with these points on this card?

A．Change them into money to buy food.

B．Transfer guests from airlines to hotels.

C．Purchase services in suggested airlines.

D．Make some extra effort and do research.

5 . How will the woman pay?

A．By cash.

B．By check.

C．By credit card.

6 . Although credit cards are becoming a more acceptable part of the financial scene, they are still regarded with doubts by many as being a major part of the “live now pay later” syndrome（综合症）.Along with hire-purchase, rental and leasing schemes（租赁项目）, they provide encouragement to spend more money. Of course, it is only the hotheaded who give way to the temptation to live, temporarily at least, beyond their means, and such people would no doubt manage to do so even without credit cards.

Advertising campaigns have, however, promoted a growing realization of the advantages of these small pieces of plastic. They prevent need to carry large amounts of cash and are always useful in emergencies.

All the credit card organizations charge interest on a monthly basis which may work out as high as 25 per cent a year, yet sensible purchasing using a card can mean that you obtain up to seven weeks, interest-free credit. Using the card abroad, where items frequently take a long time to be included on your account, can extend this period even further.

It is worthwhile shopping around before deciding on a particular credit card. It is necessary to consider the amount of credit granted; interest rates, which may vary slightly; the number and range of outlets（经销店）, though most cards cover major garages, hotels, restaurants and department stores; and of course, what happens if your card is lost or stolen. A credit card thief may be sitting on a potential goldmine particularly if there is a delay in reporting the loss of the card.

However, if used wisely, a credit card can cost nothing, or at least help to tide you over a period of financial difficulty.

1. The hotheaded are people who ________.

A．spend more money than they have

B．spend less money than other people

C．save money

D．make money

2. The disadvantage of credit cards is ________.

A．to enable you to buy things without carrying large amount of cash

B．to encourage people to spend more money

C．to be always useful in emergencies

D．to help people tide over a period of financial difficulty

3. Deciding on a particular credit, you do not have to consider ________.

A．the amount of credit granted

B．the number and range of outlets

C．the possibility of loss of money

D．the department stores where you are going to use your credit cards

4. The underlined words in the last paragraph probably means ________.

A．floating with the tide of

B．going through a difficult period of

C．rising and falling with the tide of

D．attempting to go against the tide of