85. Reading Skills Comprehension: DISCOVERY

By | May 30, 2020

Reading Skills get sharpened by unseen passage reading comprehension test. We provide reading comprehension exercises with answers. Go through reading comprehension passages with multiple choice questions will help you in reading comprehension questions. We provide simple comprehension passages with questions and answers which have value based questions. These unseen comprehension passages are really helpful to all. Go through this reading comprehension pdf and reading passage worksheets to learn English. This passage is a discovery definition and tells you something about discovery and invention. Read this discovery English article and gain knowledge.

DISCOVERY

Read the passage given below:

1. If you discover that your credit card, chequebook, debit card or cash card is missing, telephone the credit card company or bank as soon as possible. Follow this up with a letter. If you suspect theft, tell the police as well. In no circumstances, provided you act quickly, you will not have to pay any bills which a thief runs up on your account. Most home instance policies will also cover you against even this limited risk.

2. Because plastic money is now so common, central registration schemes such as Credit Card Shield and Card Protection System exist to help customers whose cards are lost or stolen. Under the schemes, you file details of all your cards -including cash cards and account cards issued by shops – with a central registry, for a small annual fee. Then, if any or all of your cards are stolen, you need to make only one phone call to the registry, which is open around the clock 365 days a year. M soon as you have called, your responsibility for any bills run up by the thief ends and the scheme’s staff make sure that all the companies whose cards you had been notified.

3. What you stand to lose on a stolen card

4. Credit Card: You will not have to pay more than fifty pounds of the bills a thief runs up with your card. If you report the loss before the card is used, you will not have to pay anything.

5. Cheques and Guarantee Card: Unless you have been careless- by signing blank cheques, say you will not have to pay for any forged cheques a thief uses. The bank or shops that accept them will have to bear the loss.

6. Debit Card- (Switch or Visa Delta): The banks operate a system similar to that for credit cards, in that you are liable for bills up to fifty pounds.

7. If your cash-card is stolen: Legally, you can be made to pay back any sums a thief withdraws using your card, but only up to the time you report the loss and up to fifty pounds, unless the bank can prove gross negligence, such as writing your personal identification number on your card.

8. Never keep your card and a note of your personal number (which does not appear on the card together). Memorize your personal number if possible. If you must make a note of it disguise it as something else- a telephone number, say. The same rules and precautions apply to a credit card used as a cash card.

Choose the correct alternatives from the options given below:

 (a) What is the first thing one should on losing one’s credit card?

(i) contact the insurance company

(ii) write a letter to the credit card company

(iii) contact the police

 (iv) make a phone call to the bank or the credit card company

 (b) A Credit Card Shield is

 (i) an insurance company that deals with credit card thefts

(ii) a system for registering people’s card details

 (iii) an emergency telephone answering service

 (iv) an agency for finding lost or stolen cards

Answer the following questions briefly in your own words:  

(c) According to the writer, why is it safe to write your personal number on a card?

(d) What is the work of the Card Protection System?

(e) Under what conditions do both the bank and the shops cover the loss incurred by purchases made using a forged cheque?

(f) What happens if your cash card is stolen?

 (g) Mention one of the ways mentioned by the writer to remember the personal number?

(h) Under what conditions can a bank charge a customer for the transaction made on the stolen card?

Find words from the passage which mean the same as each of the following:

(i) informed (para-3)

 (j) neglect/carelessness (pare-7)

ANSWERS:-

 (a) (iv)

(b) (i) (I have googled to make sure it is, in fact, an insurance package. Does not specify so in the passage).

 (c) The writer says that one should not write one’s personal identification number on the card, or on a note and keep it with the card. One should memorize it instead. If one must make a note of it to remember, the note should be kept separately or disguised (like a phone number).

 (d) The Card Protection System is a central registration scheme that helps people whose cards have been lost or stolen. Customers file their cards’ details with such systems for a fee. If a customer loses his/her card, they need to make a call to the registry whose staff members then notify the concerned card companies about the theft or loss of cards.

(e) When banks or shops accept stolen cheques with forged signatures, they have to bear the loss incurred by purchases.

(f) If one’s cash card is stolen, legally, one can be made liable to pay all the bills run up by the thief up to the time when one reports it and up to fifty pounds, unless the bank can prove gross negligence on the part of the customer concerned, such as writing one’s personal identification number on one’s card.

(g) One way suggested by the writer to remember one’s personal identification number is to make a note of it but in a disguised manner, such as writing it like a phone number.

(h) Banks can charge a customer for transactions made on a stolen card if and till the time the customer fails to report the loss. Banks can also charge the customer if proven that they have committed negligence, such as writing their personal identification number on the card.

 (i) Notified.

(j) Negligence.

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