Qustion 1
听力原文： A Credit Card
A: Excuse me. May I come in?
B: Yes, of course. What can I do for you?
A: I want to make clear something about the credit cards, because our university wants to give every teacher a credit card as a new-year gift. Is this a right place for that purpose?
B: Yes indeed. Please take a seat. My name is Jane Lee. I'm in charge of the Credit Card Department.
A: Oh, nice to meet you, Mr. Lee. This is my name card. I'm Jane Smith from Capital University.
B: Ok, Mrs. Smith. Tell me please what would you like to know?
A: Well, we know nowadays credit cards are very popular. Many feel that it will only be a matter of time before credit cards completely replace cash and checks for both individuals and organizations. But we are not very clear about what it is.
B: Credit cards, or bank credit cards are instruments issued by banks to carefully selected applicants.
A: I hear that with it you can do many things.
B: Yes. It can be for use in obtaining, on credit, consumer goods, services and other things when necessary.
A: One of our teachers told me that we can draw cash by using it.
B: Correct. They may also be used in obtaining cash. Under bank credit scheme, customers are provided, usually free of change, with a plastic card carrying a line of credit which varies according to the financial status of a card holder.
A: Yeah. I remember some people calling it plastic money.
B: It's because the cards are made of plastics. They are generally called plastic cards and bank credit cards are merely a kind of such plastic cards.
A: What are the special features of this kind of card?
B: With a credit card, you can pay for purchases a month later, without any extra charge.
A: Sounds interesting. Another attractive point?
B: You may choose to make your payments over several months and pay only part of the total amount each month.
A: Well, Mr. Lee. This service seems too nice to be believed.
B: Yes, Mrs. Smith. But it's true. However. In this case, the bank who sponsors the credit card, will add a small service charge to your total bill.
A: Look. There is no such thing as a free lunch.
B: Nevertheless, it is very convenient for the customer.
A: I see. It's convenient indeed. What are its main characteristics?
B: With the credit card, you don't have to carry much money. This is the main advantage of it.
A: Please explain it to me, Mr. Lee. I'm interested in it.
B: This is not only saves your time otherwise taken to make your trips to the bank to cash checks or withdraw cash, but also will relieves you from worrying about losing the money through carelessness or theft.
A: That's great for our teachers who sometimes travel with cash during their vacations. I think it will be a good gift for them. By the way, may I know how you, I mean banks, profit themselves from issuing the cards?
B: Banks profit from the fees they charge the stores that accept credit cards and also from the fees collected from customers who pay for their purchases in monthly installments.
A: In our times, there exists a rule: profit and risk come together. So banks also encounter some risks in operation of the business. Then what are the probable risks? I'm just curious about that.
B: A good question! Everything is two-sided. Banks sometimes have problems collecting overdue payments from bad customers. And banks are also responsible for the goads and services illegally charged to their customers' accounts, for instance, the use of stolen, lost or counterfeit cards by criminals.
A: OK. Thank you Mr. Lee for the explanations. Now I've had valuable knowledge. So we have almost decided to make a deal with your banks. But can you send a team to our university to handle all those procedures? Because as a university we have many teachers, and it will be convenient for both of us to go through the procedures on our campus.
B: Yes. Of