2015年同等学力英语：强化阶段练习题(2)

　　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 .