The Big Disadvantage

After all those great advantages, how can credit cards be * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these so dangerous? It has * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these to do with you, not the card itself. You have * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these to know how to control your impulses when it comes * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these to spending.

Way too tempting

Whipping out a piece of plastic is * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these so easy. It doesn't even feel * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these like you're spending * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these money. Do * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these that enough times in a month, and SURPRISE! Look * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these at that balance! Where did it come * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these from? It came * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these from all those not-so-big purchases you made * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these over the month.

• That pair of shoes you just couldn't pass up * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these . = $79
• The night you were dying * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these for pizza after you'd gone * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these rock climbing. = $24
• The great sale on baseball stuff. = $65
• Those two new CDs that you just couldn't live * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these without. = $29

Suddenly you're * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these in debt. And you don't have * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these the $197. So you pay * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these $60, all you can afford * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these . What happens * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these next month? The $60 you paid * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these the credit card company has made * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these you short on cash this month — so you charge * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these more, and your debt grows * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these larger. Look * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these at the facts.

Carrying a Balance

But, you say * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these , I'll always pay * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these my bill in full and on time. That may be * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these what you intend * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these to do, but the plain fact is * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these that about 60% of cardholders carry * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these a balance (owe * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these money) from month to month.* Many of these people thought * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these they would pay off * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these their bills each month too. The convenience of credit can be * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these very hard to resist. Look * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these at the facts.

Getting out of debt

So what's * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these it like to be in debt? Let's say * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these that you find * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these the perfect winter jacket. What luck! It's * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these marked down from $220 to $180. That's * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these a $40 savings. You don't have * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these the $180 right now, but you hate * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these to pass up the sale, so you charge * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these the jacket. You decide * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these to pay for it over time.

Because you work * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these only one day a week, you can't afford * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these large monthly payments. But you can pay * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these $15 every month and still have * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these some money left over for other things. You faithfully pay * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these the $15 each month, but the months seem * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these to drag on forever. Plus, you pay * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these late once, and you're * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these charged a $30 penalty fee for missing the payment date.

Although you've bought * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these the winter jacket in November, it takes * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these you 16 months (that's * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these two winters, a summer, and a spring) to pay off the purchase! At a17.9% interest rate and with a $30 penalty fee, guess * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these how much you paid * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these for that "sale" jacket? $228.26. That's * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these more than the original price! Those finance charges really add up * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these .

By the time you're * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these done paying for the jacket, you'll be * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these ready to buy a new one. See * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these for yourself how finance charges can add up * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these . Or see * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these how good you are * choose answer * Simple Present Present Progressive Simple Past Past Progressive Future Modal Verb Present Perfect None of these at estimating the cost of credit.