[解析]
36.C.推理判断题.根据前文A credit card allows you to buy now and pay later可知换言之,你可以通过定期按月付款来偿还银行;故选C.
37.G.推理判断题.根据后文An unsecured credit card is generally issued to those who have a good credit history and have showed an ability to repay the debt on time可知一个有担保的信用卡需要申请人存款(存储)现金等于所需的信贷限额;故选G.
38.E.推理判断题.根据后文For example,because of its convenience,people are easily tempted to spend more than they can really afford可知使用信用卡经常会带来许多意想不到的问题;故选E.
39.D.推理判断题.根据后文Because the merchant not only has all of your credit card details,but also a copy of your signature可知更重要的是,它实际上是在一个更高的风险,当你使用它在现实生活中的商店;故选D.
40.B.推理判断题.根据前文but even those who only pay for goods or services with available cash often find a credit card to be a convenient form of identification and instant credibility可知为了避免信用卡债务过多,持有人必须决定货物或服务是否值得附加费用;故选B.