即将完成学业、正准备谋求理想工作的学生，现在又多了一项烦恼：他们的信用纪录。
现在许多公司查核应征者的信用纪录，因为他们认为雇用信用欠佳者为员工是冒险的选
择。举例来说，这种人可能在碰上财务困难时，会禁不住诱惑而盗用雇主的钱，或是在
上班时间一直担心要如何还清债务。

1) applicant (n.) 申请者，应征者
2) risky (a.) 冒险的
3) employee (n.) 员工
4) encounter (v.) 遭遇
5) financial (a.) 财务上的
6) tempt (v.) 引诱
7) employer (n.) 雇主
8) debt (n.) 债务

2.
In the past, students rarely developed bad credit histories, because they se
ldom borrowed money that they couldn't 1)repay. But the situation has chang
ed, because now many students use credit cards, which are really just a 2)co
nvenient way of borrowing money. Whenever someone fails to pay a credit card
bill on time or goes over a credit card's limit, it 3)lowers his credit 4)
rating. One of the reasons for the increase in student credit card use is th
at credit card companies often 5)aggressively 6)promote their credit cards t
o students, who may sign up without thinking carefully.

过去，学生难得留下不良的信用纪录，因为他们很少去借他们无力偿还的钱。但是现在
情形不同了，因为许多学生都使用信用卡，而事实上信用卡不过是一种便于借钱的方法
罢了。一旦你无法准时支付信用卡帐单，或是超过信用卡的使用额度，你的信用评等就
会降低。学生使用信用卡人数增加的原因之一是信用卡公司常常积极地向学生们促销他
们的信用卡，而这些学生们可能没有想清楚就签字了。

1) repay (v.) 偿还
2) convenient (a.) 方便的
3) lower (v.) 降低
4) rating (n.) 评等
5) aggressively (adv.) 积极地
6) promote (v.) 促销

3.
Do you think it is all right for companies to check the credit histories of
job applicants? Do you agree with companies that a job applicant's credit h
istory should be an important 1)factor in deciding whether he or she gets 2)
hired? Do you believe credit card companies should be limited in their abili
ty to promote credit cards to students?

你认为公司是否应查核上门求职者的信用纪录？你同意公司的看法，认为应征者的信用
纪录应该当作决定是否录取的重要因素吗？你认为信用卡公司向学生促销信用卡的能力
应该受到限制吗？

1) factor (n.) 因素
2) hire (v.) 雇用

1)steal (v.) 偷窃
2)rarely (adv.) 很少地
3)situation (n.) 情况
4)bill (n.) 帐单
5)limit (n.) 限度
6)increase (n.) 增加