题目
When we talk about Americans barely into adulthood who are burdened with unbearable levels of debt，the conversation is almost always about student loan debt.But there's a growing body of evidence suggesting that today's young adults are also drowning in credit-card debt—and that many of them will take this debt to their graves. More than 20% over spent their income by more than ﹩100 every single month.Since they haven't built up their credit histories yet，it's a safe bet that these young adults are paying relatively high interest rates on the resulting credit card debt. Although many young people blame "socializing" as a barrier to saving money，most of then aren't knocking back ﹩20 drinks in trendy （时尚的）lounges.They're struggling with much more daily financial demands. To a disturbingly large extent，the young and the broke are relying on credit cards to make it until their next pay day.This obviously isn't sustainable in the long run，and it's going to put a huge drag on their spending power even after they reach their peak earning years，because they'll still be paying interest on that bottle of orange juice or box of spaghetti they bought a decade earlier. A new study out of Ohio State University found that young adults are accumulating credit card debt at a more rapid rate than other age groups，and that they're slower at paying it off. "If what we found continues to hold true，we may have more elderly people with lots of financial problems in the future，" warns Lucia Dunn，professor of economics at Ohio State. "If our findings continue to exist，we may be faced with a financial crisis among elderly people who can't pay off their credit cards." Dunn says a lot of these young people are never going to get out from under their credit card debt. "Many people are borrowing on credit cards so heavily that payoff rates at these levels are not sufficient to recover their credit card debt by the end of their life，which could have loss implications for the credit card issuing banks.（1）What is the main idea of the first paragraph？ ____ A.Many young Americans will never be able to pay off their debts.B.Credit cards play an increasingly important role in college life.C.redit cards are doing more harm than student loans.D.The American credit card system is under criticism.（2）Why do young people have to pay a higher interest on their credit card debt？ ____ A.They tend to forget about the deadlines.B.They haven't developed a credit history.C.They are often unable to pay back in time.D.They are inexperienced in managing money.（3）What does Lucia Dunn think might be a risk for the credit card issuing banks？ ____ A.They go bankrupt as a result of over-lending.B.They lose large numbers of their regular clients.C.Their clients leave their debts unpaid upon death.D.Their interest rates have to be reduced now and then.
When we talk about Americans barely into adulthood who are burdened with unbearable levels of debt，the conversation is almost always about student loan debt.But there's a growing body of evidence suggesting that today's young adults are also drowning in credit-card debt—and that many of them will take this debt to their graves.
More than 20% over spent their income by more than ﹩100 every single month.Since they haven't built up their credit histories yet，it's a safe bet that these young adults are paying relatively high interest rates on the resulting credit card debt.
Although many young people blame "socializing" as a barrier to saving money，most of then aren't knocking back ﹩20 drinks in trendy （时尚的）lounges.They're struggling with much more daily financial demands.
To a disturbingly large extent，the young and the broke are relying on credit cards to make it until their next pay day.This obviously isn't sustainable in the long run，and it's going to put a huge drag on their spending power even after they reach their peak earning years，because they'll still be paying interest on that bottle of orange juice or box of spaghetti they bought a decade earlier.
A new study out of Ohio State University found that young adults are accumulating credit card debt at a more rapid rate than other age groups，and that they're slower at paying it off. "If what we found continues to hold true，we may have more elderly people with lots of financial problems in the future，" warns Lucia Dunn，professor of economics at Ohio State. "If our findings continue to exist，we may be faced with a financial crisis among elderly people who can't pay off their credit cards."
Dunn says a lot of these young people are never going to get out from under their credit card debt. "Many people are borrowing on credit cards so heavily that payoff rates at these levels are not sufficient to recover their credit card debt by the end of their life，which could have loss implications for the credit card issuing banks.
（1）What is the main idea of the first paragraph？ ____
A.Many young Americans will never be able to pay off their debts.
B.Credit cards play an increasingly important role in college life.
C.redit cards are doing more harm than student loans.
D.The American credit card system is under criticism.
（2）Why do young people have to pay a higher interest on their credit card debt？ ____
A.They tend to forget about the deadlines.
B.They haven't developed a credit history.
C.They are often unable to pay back in time.
D.They are inexperienced in managing money.
（3）What does Lucia Dunn think might be a risk for the credit card issuing banks？ ____
A.They go bankrupt as a result of over-lending.
B.They lose large numbers of their regular clients.
C.Their clients leave their debts unpaid upon death.
D.Their interest rates have to be reduced now and then.
More than 20% over spent their income by more than ﹩100 every single month.Since they haven't built up their credit histories yet，it's a safe bet that these young adults are paying relatively high interest rates on the resulting credit card debt.
Although many young people blame "socializing" as a barrier to saving money，most of then aren't knocking back ﹩20 drinks in trendy （时尚的）lounges.They're struggling with much more daily financial demands.
To a disturbingly large extent，the young and the broke are relying on credit cards to make it until their next pay day.This obviously isn't sustainable in the long run，and it's going to put a huge drag on their spending power even after they reach their peak earning years，because they'll still be paying interest on that bottle of orange juice or box of spaghetti they bought a decade earlier.
A new study out of Ohio State University found that young adults are accumulating credit card debt at a more rapid rate than other age groups，and that they're slower at paying it off. "If what we found continues to hold true，we may have more elderly people with lots of financial problems in the future，" warns Lucia Dunn，professor of economics at Ohio State. "If our findings continue to exist，we may be faced with a financial crisis among elderly people who can't pay off their credit cards."
Dunn says a lot of these young people are never going to get out from under their credit card debt. "Many people are borrowing on credit cards so heavily that payoff rates at these levels are not sufficient to recover their credit card debt by the end of their life，which could have loss implications for the credit card issuing banks.
（1）What is the main idea of the first paragraph？ ____
A.Many young Americans will never be able to pay off their debts.
B.Credit cards play an increasingly important role in college life.
C.redit cards are doing more harm than student loans.
D.The American credit card system is under criticism.
（2）Why do young people have to pay a higher interest on their credit card debt？ ____
A.They tend to forget about the deadlines.
B.They haven't developed a credit history.
C.They are often unable to pay back in time.
D.They are inexperienced in managing money.
（3）What does Lucia Dunn think might be a risk for the credit card issuing banks？ ____
A.They go bankrupt as a result of over-lending.
B.They lose large numbers of their regular clients.
C.Their clients leave their debts unpaid upon death.
D.Their interest rates have to be reduced now and then.
题目解答
答案
（1）段落大意题。根据第一段内容But there's a growing body of evidence suggesting that today's young adults are also drowning in credit-card debt-and that many of them will take this debt to their graves.（但越来越多的证据表明，当今的年轻人也陷入了信用卡债务的泥潭之中--很多人将会把这个债务一直带进坟墓。）可知，本段主要讲述了年轻人的信用卡债务问题，许多年轻的美国人将永远无法偿还债务。故选A。
（2）细节理解题。根据第二段Since they haven't built up their credit histories yet，it's a safe bet that these young adults are paying relatively high interest rates on the resulting credit card debt.（由于他们还没有建立自己的信用记录，所以可以肯定的是，这些年轻人正在为由此产生的信用卡债务支付相对较高的利率。）可知，年轻人必须对他们的信用卡债务支付更高的利息，因为他们还没有建立信用记录。故选B。
（3）细节理解题。根据最后一段Many people are borrowing on credit cards so heavily that pay off rates at these levels are not sufficient to recover their credit card debt by the end of their life，which could have loss implications for the credit card issuing banks.（很多人从信用卡里大量地借钱，但按照他们的偿还能力，到死也不足以偿还信用卡债务，这可能会对信用卡发行银行造成损失。）可知，Lucia Dunn认为可能对信用卡发卡银行构成风险的是他们的客户在死亡时未偿还债务。故选C。
（2）细节理解题。根据第二段Since they haven't built up their credit histories yet，it's a safe bet that these young adults are paying relatively high interest rates on the resulting credit card debt.（由于他们还没有建立自己的信用记录，所以可以肯定的是，这些年轻人正在为由此产生的信用卡债务支付相对较高的利率。）可知，年轻人必须对他们的信用卡债务支付更高的利息，因为他们还没有建立信用记录。故选B。
（3）细节理解题。根据最后一段Many people are borrowing on credit cards so heavily that pay off rates at these levels are not sufficient to recover their credit card debt by the end of their life，which could have loss implications for the credit card issuing banks.（很多人从信用卡里大量地借钱，但按照他们的偿还能力，到死也不足以偿还信用卡债务，这可能会对信用卡发行银行造成损失。）可知，Lucia Dunn认为可能对信用卡发卡银行构成风险的是他们的客户在死亡时未偿还债务。故选C。
解析
步骤 1：理解第一段的主旨
第一段提到，虽然关于美国年轻人的债务问题通常讨论的是学生贷款债务，但越来越多的证据表明，今天的年轻人也陷入了信用卡债务的泥潭，很多人将把这种债务带进坟墓。因此，第一段的主旨是许多美国年轻人将永远无法偿还他们的债务。
步骤 2：分析第二段的背景信息
第二段提到，由于他们还没有建立自己的信用记录，所以可以肯定的是，这些年轻人正在为由此产生的信用卡债务支付相对较高的利率。因此，年轻人必须对他们的信用卡债务支付更高的利息，因为他们还没有建立信用记录。
步骤 3：理解Lucia Dunn的观点
Lucia Dunn警告说，如果他们的发现继续存在，他们可能会面临一个金融危机，其中许多老年人无法偿还他们的信用卡债务。因此，Lucia Dunn认为可能对信用卡发卡银行构成风险的是他们的客户在死亡时未偿还债务。
第一段提到，虽然关于美国年轻人的债务问题通常讨论的是学生贷款债务，但越来越多的证据表明，今天的年轻人也陷入了信用卡债务的泥潭，很多人将把这种债务带进坟墓。因此，第一段的主旨是许多美国年轻人将永远无法偿还他们的债务。
步骤 2：分析第二段的背景信息
第二段提到，由于他们还没有建立自己的信用记录，所以可以肯定的是，这些年轻人正在为由此产生的信用卡债务支付相对较高的利率。因此，年轻人必须对他们的信用卡债务支付更高的利息，因为他们还没有建立信用记录。
步骤 3：理解Lucia Dunn的观点
Lucia Dunn警告说，如果他们的发现继续存在，他们可能会面临一个金融危机，其中许多老年人无法偿还他们的信用卡债务。因此，Lucia Dunn认为可能对信用卡发卡银行构成风险的是他们的客户在死亡时未偿还债务。