单项选择题

Directions: There are five reading passages in this part. Each passage is followed by five questions. For each question there are four suggested answers marked A, B, C and D. Choose one best answer and blacken the corresponding letter on the Answer Sheet.
Passage One

Americans spend a lot of money in their daily lives. Working people spend money on transportation to and from work and on various expenses throughout the day. Americans en- joy shopping and buy many things that they need and want. They spend a lot of money on entertainment. They buy sports equipment, to do sporting events and do many things that cost money. However, many Americans don’t pay cash or write checks for these things. More and more, they pay for things with credit cards(信用卡). Credit cards are small, rectangular plastic cards. Banks give these cards to their customers. When the customer buys something at a store, he shows his card at the store. This authorizes(委托) the store to charge(记入) the bank account for the customer’s purchase. The bank collects all the charges for each customer. Then once a month the bank requires the customer to pay all the charges for that month. The bank does not force the customer to pay the full amount. It asks the customer to pay for the charges in several payments over a period of time. However, the bank requires the customer to pay interest on the unpaid of the charges. In this way the bank allows customers to buy things they cannot afford at one time. People can use the card to buy what they want and pay for it over a period of time. They also do not need to carry a lot of money.

What are some of the advantages in using credit cards People （）

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