More than one million international students are studying in the United States. Many of them find it helpful to have a smart phone and an American credit card (信用卡).These things make it easy to pay for many kinds of goods and services. But getting a credit card as an international student is not a process. Normal U.S. lenders ask for a social security number (社会保障号码). In addition, they ask to see a person’s credit history. This helps the lenders fully believe that someone is responsible and make timely payments. These are the things most international students do not have.But one company is trying to make the process easier and fairer for them.Jack Guo is from China. He now studies at a university in California. He says having an American credit card makes it easier for students to get around town. And, he says, credit cards are important for international students who hope to live in the country in the future.Kalpesh Kapadia came from India to study at Carnegie Mellon University in Pittsburgh, Pennsylvania. He faced the same difficulties that many international students face when trying to get an American credit card. He decided to open SelfScore (万事达信用卡).Without asking for credit history and a social security number, SelfScore looks at materials such as passports, visas, and acceptance letters to American schools. The company also considers a student’s ability to pay.About 10,000 international students from more 66 countries now have credit cards through SelfScore. Kapadia says less than one percent of SelfScore’s credit card holders are late for their payments because of different kinds of reasons.88. Is it easy for an international student to get a credit card in the U.S.A? (1)89. What do “the things” in the second paragraph refer to? (2)90. What can Jack Guo do in America if he has a credit card? (2)91. How did Kapadia get rid of his difficulties in getting an American credit card? (2)92. How many SelfScore’s credit card holders pay on time according to Kapadia? (2)93. SelfScore considers a student’s ability to pay when he/she wants to get a credit card.Do you think it is important? Why or why not? (3)