■본문
Credit cards let people buy things on credit.
Even if they don't have money on them, they can still pay.
They pay back the amount they spent the following month.
The credit limit is decided by the user's credit rating.
Credit cards clearly make spending more convenient.
These days, you can even use a credit card app on your phone.
However, credit cards can make people go overboard(오버하다)
and spend more than they had planned.
If they can't pay their credit card bill on time,
they have to pay interest on late payments.
Their credit rating can also take a downturn.
That's why you need to plan ahead when you use a credit card.
These days,
the total amount you have spent is sent to you by text message in real time.
So, it's easier to keep track of your spending.
■신용카드
1. Do you prefer cash, credit cards, or debit cards? Explain why.
- I definately love credit cards.
- I am the only one who makes money for my family
- Sometimes, I am short for money.
- When I am in need for money, Credit cards are my hopes
2. How do you avoid using your credit card too much?
- I can't avoid.
- So I just let it go.
- There is a system I use often about paying my credit card bill
- I can pay some of it, not all of it
- When I don't have much money, I pay my bill just 40%
- Of course, I have to pay interest!
3. What are some common credit card membership benefits?
- There are tons of benefits.
- I love a discount on gas
- The price of gas is too expesive in Korea!
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