Advertising campaigns have, however, promoted a growing realization of the advantages of these small pieces of plastic. They prevent need to carry large amounts of cash and are always useful in emergencies．

　　All the credit card organizations charge interest on a monthly basis which may work out as high as 25 per cent a year, yet sensible purchasing using a card can mean that you obtain up to seven weeks, interest-free credit．Using the card abroad, where items frequently take a long time to be included on your account, can extend this period even further．

　　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 ________．

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