The central bank, the Federal Reserve, says two thirds of American banks have recently reported tighter lending requirements. Many people report having their credit limits reduced without warning.

　　Some lawmakers are concerned that cardholders do not have enough protection from what critics say are abusive policies. These include actions like raising interest rates because of an unrelated event. Also, banks may raise the chances of a late payment by changing monthly payment dates for credit cards.

　　According to a survey, 82% of Americans think credit cards provide a valuable service. But a majority, 58%, say they do not trust credit card companies. And three out of four think the government should regulate the industry more closely. Three out of four people feel there are always some conditions that make a card less appealing than the company made it sound. And a little more than half say they have a card that is not as good as they expected. But close to 80% say no one really reads the terms and conditions when they sign up for a credit card.

　　16．What does the underlined sentence in the first paragraph probably mean?

　　A．We can enjoy more convenience using credit cards.

　　B．Credit cards can improve your buying power.

　　C．We can buy things at lower prices using credit cards.

　　D．Credit cards bring more card debt as well as convenience.

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