Directions : In this section ，you are required to read five short paragraphs and decide which of the five titles marked A , B , C , D and E is the best suited to each of them . Choose the best answer and mark your answer on the ANSWER SHEET.

　　A . You can schedule an automatic payment.

　　B . Trying to get out of the late fee sometimes .

　　C . You ' d better plan to pay ahead .

　　D . Change your payment due date in order to avoid late fee .

　　E . You could also set for yourself a reminder to pay in time .

　　Some Tips to Avoid a Credit Card Late Fee

　　If you ' re even a minute late with a payment , your credit card company can hit you hard in the wallet-as much as $ 39 each time , according to a July 2008 Survey . However, some simple steps can help keep your exposure to these extra costs to a minimum.

　　1 _________

　　A few card issuers , including Chase and HSBC , charge extra fees for online payments that you need to post the same day , so even if you pay electronically ,do it three to four days ahead so your credit card company will process the payment by the due date . If you ' re snail-mailing checks , allow even more time--about 10 days--to allow for mail snafus . And unless you ' re desperate , forget about phone payments-a number of banks charge a fee for them , no matter when you call .

　　2 __________

　　A few card issuers allow you to choose a due date to coincide with your payday schedule, so a cash shortfall won’t make you late. You can even choose a due date that ' s easier to remember . Your birthday’s on Feb. 17 ? Make your credit card payment due on the 17th of each month.

　　3__________

　　Some banks offer an auto pay program that links your credit card to a checking or saving account ; you decide whether to automatically pay the new balance , the current minimum payment or a fixed dollar amount . If you bank online , you can also arrange a do-it-yourself auto pay . Just estimate your usual monthly minimum , schedule a monthly payment date and have the amount deducted from your account autocratically . Just make sure you have enough in checking to cover it or the overdraft fees will eat up your saving on late fees.

　　4________

　　Some credit card companies , including Chase , will alert you of up coming due dates by e-mail or voice mail . You can also schedule a monthly e-mail reminder through a Web site , such as MemoToMe . com or RememberthMilk .com .

　　5 _________

　　Even conscientious consumers will probably get hit with a late fee at some point . However , if you have a good record of on-time payments , call and politely ask a customer service representative to waive the charge . No dice ? Ask to talk to a supervisor , or try again on a different day . You might even threaten to close your accounts with the company-a tactic that worked for Jeff Roth of Molalla , Ore , after his wife ' s Chase credit card was hit with a $ 39 late fee when the Fourth of July delayed processing of a payment . " My advice to those who feel they have unjustly been assessed late fees is to be assertive about getting the charges removed . " Says Roth , who posted about his plight at GetRichSlowly . org . " It won ' t always work , but most credit card companies will least give you one freebie . " Next time , though , you may be on your own .

　　答案解析：

　　1. 【答案】C

　　【解析】本段文字中提到如果要求當天付款到賬的話，一些銀行會加收費用(large extra fees )。即使選擇電子付款(pay electronically )也要提前三四天，以便于你的信用卡銀行在到期之前處理好你的還款。用普通郵遞(snail-mailing Checks )就需要提前10 天左右。最后本段還提到如果你不是特別緊急，不要使用電話付款(forget about phone payments ) ，因為很多銀行都會為此收費的，所以綜合來看，本段內(nèi)容主要講的是要提前付款，避免因為中間傳送或銀行業(yè)務處理帶來的時間拖延使得付款不能及時到達。故選C 。

　　2. 【答案】D

　　【 解析】 本段內(nèi)容是講有一些發(fā)卡銀行允許持卡者自由選擇還款日期，這樣一來持卡者可以在工資日還款(coincide with your payday schedule ) ，不會因資金短缺導致還款推遲(a cash shortfall won ' t make you late )。還可以選擇一個容易記的日期(choose a due date that ' s easier to remember )比如自己的生日作為還款日期。所以本段主要內(nèi)容是說可以改變還款日期以避免還款推遲，故答案選D 。

　　3 . 【答案】 A

　　【 解析】 本段剛開始就提到一些銀行提供自動付款服務(autoPay Program ) ，將持卡者的其他賬戶和信用卡綁定;或者如果開通了網(wǎng)上銀行的話，還可以使用“自定義自動付款”功能(arrange a do-it-yourself autopay ) ，只要賬戶里的資金足以支付信用卡的支出，這些都可以使持卡者免受因延遲付款而不得不付的late fee 。所以本段內(nèi)容是建議使用autopay 服務故答案選A 。

　　4. 【答案】 E

　　【 解析】 本段內(nèi)容比較少，意思也很清楚，文中用到了reminder (提醒)以及alert (使警覺)這樣的詞，意思都是在說持卡者要提醒自己還款日期以免延誤而被罰款。意思很明了，所以答案選E 。

　　5 .【答案】 B

　　【 解析】 本段內(nèi)容比較有意思，主要講信譽度一直比較高的持卡人(you have a good record of on-time payments )，偶爾沒有及時還款的話可以嘗試“賴賬”，同銀行工作人員協(xié)商去掉這部分費用(waive the charge ) ，一次不行可以改天再試，甚至可以以注銷該銀行的賬號為威脅(You might even threaten to close you : accounts with the company)。雖然不會每次都奏效，但可以一試，尤其是對那些被錯誤地認為延遲還款的人，更要非常堅定地要求抹去這筆費用。所以本段內(nèi)容就是在講可以嘗試不付這筆費用。故本題選B。