你必须做一个由20个问题组成的测试(便利地放在20个不同的页面上！)来找出信用评分底线。
You have to take the 20-question test (conveniently placed on 20 different pages!) to actually find the cutoff scores.
信用卡是支付酒店帐单和其他费用的便利手段。
Credit CARDS are the convenient way of paying hotel bills and other expenses.
信用卡让人们贷款异常便利。
Credit CARDS make it trivially easy for people to take loans.
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