Passage Two

　　Questions 61 to 65 are based on thefollowingpassage.

　　Milleunials(千禧一代)have a reputation for being pretty savvy(聰慧的)with technology and social media——not to mention their finances----一but today’s young adults are clueless when it comes to knowledge of their credit.

　　A new study conducted by the Consumer Federation of America and VantageScore Solutions finds that 18-34 year-olds lag behind older Americans on credit knowledge.Not that older generations are whiz kids when it comes to credit——just over 40%of consumers surveyed even know what their credit score measures，for instance—but millennials have the dubious distinction(區(qū)別)of being even less-informed than other age groups.

　　Only around half of milleunials have ever even bothered to order a free copy of their credit report，as compared to about three.quarters of older people surveyed.

　　They’re more likely to think age plays a role in credit scoring，that the government keeps track of consumer credit data and that credit repair services can legitimately fix your credit(by and large，they Can’t).And while most of them know that a lot of credit card debt，declaring bankruptcy and missing payments can affect their credit，only 6%got everything fight when they picked from a list of factors that could potentially impact their score.

　　Young adults have a pretty poor grasp on how far-reaching this impact is：Only 1 8 percent knew that utility companies，cell phone carders，mortgage lenders and home insurers，landlords and credit card companies can all use a consumer’s credit when doing business with them.

　　They’re also unaware of the financial consequences of bad credit.just 1 5%knew that a bad credit score could cost more than$5，000 in higher interest payments over the life of a car loan.

　　One factor that seems to make a difference in how much credit knowledge people have is whether or not.mey’ve actually goRen their free credit report(if you’re one of the many who haven’t，you can do so at annualcreditreport.corn).Interestingly,

　　people who got their credit reports knew more than those who had just gotten their credit scores.

　　“Those who are interested in their credit reports are probably also interested in their credit scores.”CFA executive director Stephen Brobeck says in a statement.“It’s so easy to go online and get your free reports that this action likely motivates people to learn more about credit scores.”

　　61.What does the word“whiz kids”mean(Line 3.Para.2)?

　　A.Children who are very naughty.

　　B.Children who are a little dull.

　　C.Children who are extraordinarily smart.

　　D.Children who quite sensitive.

　　62.What do the millennials think of credit?

　　A. Credit scoring has nothing to do with age.

　　B. Declaring bankruptcy can lead to bad credit data.

　　C. Government will never track a consumer’s credit.

　　D. It doesn’t matter if you have any credit card debt or not.

　　63.Which of the following statement about credit report is TRUE?

　　A. You can get a free copy ofyour credit report from the website.

　　B. People interested in credit report can’t be interested in credit scores.

　　C. People with credit reports have little knowledge of credit scores.

　　D. Getting the copy of credit report may discourage people to leam more about credit.

　　64.What can be inferred from this passage?

　　A.Millennials prefer to get their credit reports than to have credit scores.

　　B.You can ask credit repair services to fix your credit.

　　C.Despite of bad credit，a mortgage lender Will trade with you.

　　D.With bad credit,you’ll have to pay a higher loan interest.

　　65.What’s the main idea ofthis passage?

　　A.Millennials are not smart enough to learn about credit.

　　B. Millennials should learn more about credit scores.

　　C.Millennials should get their credit reports.

　　D.Milleunials should realize the consequences ofbad credit.