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（经销店）, though most cards cover major garages, hotels, restaurants and department stores; and of course, what happens if your card is lost or stolen．A credit card thief may be sitting on a potential goldmine particularly if there is a delay in reporting the loss of the card．

　　However, if used wisely, a credit card can cost nothing, or at least help to tide you over a period of financial difficulty．

　　47．The hotheaded are people who ________．

　　A．spend more money than they have B．spend less money than other people

　　C．save money

　　D．make money

　　48．The disadvantage of credit cards is ________．

　　A．to enable you to buy things without carrying large amount of cash

　　B．to encourage people to spend more money

　　C．to be always useful in emergencies

　　D．to help people tide over a period of financial difficulty

　　49．Deciding on a particular credit, you do not have to consider ________．

　　A．the amount of credit granted

　　B．the number and range of outlets

　　C．the possibility of loss of money

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