• Read the passage.

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• Review.

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Reading

1. In America, credit-card debt _____ a major problem.

1a. There are _____ people who have credit-card debt.

1b. About _____ of families buy more on their credit cards than they can afford.

1c. This is because they _____ their credit cards too much.

2. Many use their credit cards for both _____ and luxury items.

2a. American college students owe, on average, _____ on their credit cards.

3. Penalties on credit cards may _____ if the payment is late.

3a. Many people _____ gone bankrupt from credit-card use.

4. When using credit cards, people often spend much _____ than when they use cash.

4a. This could be because when using cash, they _____ the money leaving their hands.

5. In Japan, credit-cards are becoming _____ common.