C．students should visit many websites before buying their books

　　D．students should consider shopping costs and delivery time above all else when making their buying decision

　　B

　　(2015·长沙高三模拟)According to a study by SallieMae,84 percent of undergraduate students have credit cards，and by the time they are seniors，they have accumulated US $ 4,100 in debt，on top of whatever student loans they may have taken out.

　　Credit cards are the most convenient form of payment，and they are aggressively marketed to college students.Reportedly，a typical college student carries 4.6 credit cards and US $ 3,173 in credit card debt.

　　Credit cards seem to be a fact of life，not just student life.In the long term，using a credit card

　　properly and paying off the balance can help establish a card history and increase your credit score，which will come_in_handy when you need an important loan，for a house or car，for example.Your credit score can affect even unrelated things like insurance rates.Credit cards also offer more protection for users than debit cards (借记卡)．Under federal law，the credit card holder is only responsible for the first US $ 50 in fraudulent(欺诈的) purchases in cases of theft or loss.However，debit card users are responsible for the first US $ 500.

　　SallieMae found some good news in the fact that two thirds of students had discussed credit issues with their parents，but 84 percent said they needed more information.Those who didn’t get any guidance were more likely to be surprised when they found out how much they owed.

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