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Although credit cards are becoming a more (36) part of the financial scene, they are still (37) with suspicion by many people as a major part of the "live now, pay later" habit. They provide (38) to spend more money. Of course, it is only the fool who follows the temptation to live, temporarily at least, (39) his means, and such people would no doubt manage to do so even without credit cards. Advertisers have, however, (40) a growing realization of their advantages. They do away with the need to carry large amounts of cash and are always useful in (41) . All the credit card organizations (42) interest on a monthly basis which may work out as high as 25 (43) a year, yet careful use of a card can mean that you obtain up to seven weeks interest-free credit. (44) , can extend this period even further. It is worthwhile shopping around before deciding on a particular credit card. It is necessary to consider the amount of credit granted; interest rates, which may vary slightly; the number and range of outlets, though most cards cover major garages, hotels, restaurants and department stores. And of course, what happens if your card is lost or stolen. (45) . However, if used wisely, (46) .