oday, more and more people in the United States are using credit cards instead of money

to buy the things they need. Almost an one who has a (36)___ income and a continuous work record can (37).__ for a credit card. There are many credit cards (38)___ : American Express, VISA, and Master Charge are some of the most popular. If you have a credit card, you can buy a car, eat a dinner, take a trip, and even get a haircut by charging the cost to your (39)___ . In this way, you can pay for (40)__ a month later, without any extra charge. Or you may (41) to make your payments over several months and pay only part of the total amount each month. If you do this. the credit company, or the bank that (42).__ the credit card, will add a small Service charge to your total bill. This is very (43)____ . for the customer. With the credit card in your wallet or purse, (44)____. The card user only has to worry about paying the final bill. (45)____. In the recent years, credit cards also appear in China. The Great Wall credit card and the Peony (牡丹) credit card are the pioneer cards sponsored by the Bank of China and tie Industrial and Commercial Bank of China, respectively. Many of us believe that (46)_____. 请在第_____处填上正确答案。