3. Why I Need a Credit Card

How is credit card use described in the essay?
1. As a gift from the bank
2. As a bank loan that the user promises to pay back with interest
3. As free money
4. As a government benefit
What do banks base their interest rates on?
1. The customer's age
2. The customer's job title
3. A person's credit history and assets
4. The customer's address
What is the typical credit line for a new credit card holder with little or no credit history?
1. $100
2. $500
3. $1,000
4. $5,000
How can a new credit card holder increase their credit line?
1. By spending as much as possible
2. By making monthly payments on time
3. By applying for more cards
4. By ignoring the due date
When does the essay suggest paying your credit card bill?
1. On the due date exactly
2. A day or two before the due date
3. A week after the due date
4. Only when you receive a reminder call