Amazon’s new credit card helps you get into debt with your own money. Have bad credit? Don’t worry, Amazon has a solution for you. The e-commerce giant has a new store credit card targeted at people with less-than-perfect credit scores. In partnership with Synchrony Bank, the “Amazon Prime Store Card Credit Builder” lets people put down a refundable security deposit, which will be used to set the card’s total credit limit. Synchrony will then collect that deposit from you and give you a line of credit. 

From there, people can spend money on amazon.com using their new credit from money they footed. Depending on how much money they spend on the card, users get 6, 12, or 24 months of no interest. (If people spend less than $149 with the card, they can’t get this promotional financing.) The card’s APR is 28.24%. 

According to WalletHub, the average interest rate for people with fair credit is 22.99%, and the average store credit card interest rate is 25.76%. The idea behind this program is to attract a lot of new customers. That is, people with poor credit to buy items on Amazon and repay in time, which will increase their credit scores and thus give them the opportunity to get another credit card, one that doesn’t require them to prepay the credit line in full.

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1.The e-commerce giant has a new store credit card aiming at ________.

A people with less-than-perfect credit scores

B people with perfect credit scores

C people with more-than-perfect credit scores

D people with no credit scores

解析：选A。细节理解题。根据第一段第四句The e-commerce giant has a new store credit card targeted at people with less-than-perfect credit scores.可知电商巨头针对那些信用评分不是很高的人推出了一款新的信用卡，故选A。

2.How can people spend money on amazon.com?

A People can use their new credit from money they footed.

B People can use their money they borrowed.

C People can use their own money.

D People can use their old credit from money they footed.

解析：选A。细节理解题。根据第二段第一句From there, people can spend money on amazon.com using their new credit from money they footed.可知人们可以在亚马逊上用新款信用卡预支钱来消费，故选A。

3.Which of the following is NOT true according to the passage?

A Synchrony will collect that deposit from people and give people a line of credit.

B Users may get 6, 12, or 24 months of no interest.

C The average interest rate for people with fair credit is 22.99%.

D The average store credit card interest rate is 28.24%.

解析：选D。细节理解题。根据第三段第一句According to WalletHub, the average interest rate for people with fair credit is 22.99%, and the average store credit card interest rate is 25.76%. 可知商店信用卡的平均利率为25.76%，而不是28.24%，故选D。

4.How can people increase their credit scores according to the last paragraph?

A They need to buy items on Amazon and repay the money within 6 days.

B They need to buy items on Amazon and repay in time.

C They need to get another credit card and buy items on Amazon.

D They need to buy items on Amazon and repay the money within 24 days.

解析：选B。细节理解题。根据第三段最后一句That is, people with poor credit to buy items on Amazon and repay in time, which will increase their credit scores and...可知鼓励他们去亚马逊上消费并及时还款，能提高他们的信用评分，故选B。