Table of Contents
BEST IELTS General Reading Test 522
IELTS GENERAL READING TEST 522 – PASSAGE – 2
IELTS GENERAL READING TEST – 522
READING PASSAGE – 2
When Your Credit Card Is Lost or Stolen
On the list of things you’d hate to lose, credit cards rank high on the list, somewhere between your kids and car keys. Because the last thing you want is damage to your credit at someone else’s hand, it’s crucial that you know what to do when your credit card has been lost or stolen.
The first thing you should do is report your missing credit card to the card issuer. Don’t wait a day or even a minute. Most card issuers print their customer service phone number on your billing statement. Locate a recent copy of your statement to find the number to reach your card issuer.
IELTS General Reading Test
When you contact your creditor, you should have the following:
– your account number,
– the date you noticed your card was missing, and
– the date and amount of your last purchase, if known.
Even after you’ve contacted the card issuer by phone, it’s wise to follow-up with a letter. The letter should state that your credit card was lost or stolen and include the account number, date of loss or theft, first date the loss was reported, and the last authorized transaction. This letter will provide proof that you reported the loss if that fact should ever come into question.
IELTS General Reading Test
The Fair Credit Billing Act (FCBA) protects you when fraudulent charges are made with your lost or stolen credit card. If the charges are made after you report the card lost or stolen, you have no liability. However, if the charges are made before you report the loss, your creditor can ask you to pay up to £50. That’s why it’s important to report your missing credit card as soon as possible.
– The best way to avoid a lost or stolen credit card is to remain aware of your card’s location at all times. At any point in time, you should carry only the credit cards that you’ll need. Leave the others at home.
IELTS General Reading Test
– Avoid placing credit cards directly into your pockets. It’s easier for them to slip out.
– Take some time now to create a contact list including the name and number of each of your card issuers. Store the list in a safe place so you can easily reach your card issuers if a credit card is lost or stolen in the future.
IELTS General Reading Test
Questions 15 – 18
Choose the correct letter, A, B, C, or D.
15 What are you most afraid of if you lose a credit card?
A. Bankruptcy by someone else
B. Damage to credit by a third party
C. Drop of a credit limit
D. Complication of a reissue
16. What should you do first if you lose a credit card?
A. Contact your insurance company
B. Write a letter to the bank
C. Contact the police
D. Make a phone call to the card issuer
IELTS General Reading Test
17. To prove that you reported the loss of the credit card to the issuer, you should
A. inform your card issuer of the fact.
B. make a phone call to the insurance agent.
C. write a letter stating the fact.
D. report the loss to the police.
18. According to the Fair Credit Billing Act (FCBA), card holders do not have responsibility for any unauthorized charges
A. that happened after the report.
B. that happened before the report.
C. that are less than £50.
D. that are more than £50.
IELTS General Reading Test
Questions 19 – 23
Read the statements below. In boxes 19–23 on your answer sheet, write:
TRUE If the statement agrees information
FALSE If the statement contradicts information
NOT GIVEN If the information is not given in the passage.
19. In the follow-up letter, you must state your account number.
IELTS General Reading Test
20. Your creditor will pay all money back for transactions which were made after the loss of credit card.
21. Carrying every card with you is the best way to avoid the loss of a credit card.
22. An insurance company dealing with card theft covers any damage made by the loss of a credit card.
23. You are recommended to store the card issuer’s phone number to protect your credit from the loss of a credit card.
IELTS General Reading Test
Read the text below and answer questions 24-27.
The Australian Road Rules
The Australian Road Rules contain the basic rules of the road for motorists, motorcyclists, cyclists, pedestrians, passengers, and others. They are “model laws” that were initially created in 1999 under an agreement in which each Australian state and territory agreed that it would adopt the Rules into its laws. The purpose of the agreement was to provide uniformity across Australia in relation to road rules so that people were not confronted with different requirements as they travelled from one state or territory to another. Thus, the Rules now form the basis of the road rules in each state and territory. As “model laws,” however, they have no legislative force of their own.
The Rules were first approved in 1999 by the former Australian Transport Council (now the Standing Council on Transport and Infrastructure [SCOTI]). The Council consists of the Ministers responsible for road traffic matters in each state and territory as well as the Commonwealth Minister responsible for transport matters.
IELTS General Reading Test
As mentioned above, the Rules have no legislative force of their own. Although each state and territory has by and large copied the Rules into their own laws, not every provision of the Rules has been copied exactly in each state and territory. Also, there are a number of provisions in the Rules that specifically leave certain matters to state and territory governments to determine.
This means that the Rules can be used only as a guide as to what road rules apply in any particular state or territory. The only way to be sure what the road rules are in a particular state or territory is to look at the road rules of that state or territory.
IELTS General Reading Test
Because the Rules form the basis of the road traffic laws of each state and territory, it is important that they continue to be as up-to-date as possible. To this end, they are changed fairly frequently.
The National Transport Commission (NTC) is responsible for reviewing and updating the Rules as part of its maintenance process of its legislative reforms. The NTC has an Australian Road Rules Maintenance Group which consists of representatives of road traffic authorities and the police from the states and territories and of the Commonwealth. This Group provides advice to the NTC on changes to the Rules.
IELTS General Reading Test
The official version of the Rules and each amendment made to the Rules is published on the Federal Register of Legislative Instrument (FRLI) website http://www.frli.gov.au/
However, although there is usually a lag between when an amendment to the Rules is approved and when it is published on the FRLI website, it is initially published on this FRLI website. A copy of the most recent sets of amendments can be found under the tab “Amendments” on this website. Copies of the Regulatory Impact Statements that were prepared for the most recent sets of amendments can be found under the tab “Amending Regulatory Impact Statements” tab on this website. Once the official version of an amendment to the Rules is published, the copy of the amendment on this site is changed to a link to the official version of the amendment.
It is not possible to republish the Rules officially each time an amendment is made to them, so it has been a longstanding practice to publish an unofficial consolidation of the Rules on this FRLI website. The current consolidation of the Rules contains all the approved changes made to the Rules including 23 December 2011, which is when SCOTI approved a 9th Package of amendments to the Rules.
IELTS General Reading Test
Questions 24 – 27
Choose the correct letter, A, B, C, or D.
24 The purpose of the agreement mentioned above was
A. to attract more travelers crossing different states.
B. to standardize a variety of road rules in Australia.
C. to offer administrational convenience on roads in Australia.
25 The “Standing Council on Transport and Infrastructure (SCOTI)”
A. is also called the Australian Transport Council now.
B. tries to grant legislative power to rules.
C. deals with road traffic and transport matters.
IELTS General Reading Test
26 The Rules mentioned in the passage are model laws under an agreement between each Australian state and territory because
A. they are frequently changed depending on the situation.
B. it is hard to make a uniform law to cover all the states.
C. they have no legislative force of their own.
27 An “Australian Road Rules Maintenance Group”
A. provides advice for the transport rules to the Commission.
B. is responsible for reviewing and updating the Rules.
C. consists of ministers of a few organizations.
IELTS General Reading Test
IELTS General Reading Test
ANSWERS
15. B
16. D
17. C
18. A
19. TRUE
20. FALSE
21. FALSE
22. NO GIVEN
23. TRUE
24. B
25. C
26. C
27. A
IELTS General Reading Test