阅读理解. Today,moreandmorepeopleareusingcreditcards(信用卡)insteadofmoneytobuythethingstheyneed.

Almostanyonewhohasasteadyincome(收入)andcontinuousworkrecordcanapplyforacreditcard.

Ifyouhaveacreditcard,youbuyacar,eatadinner,takeatrip,andevengetahaircutbychangingthecost

toyouraccount(帐户).Youcanpayforpurchasesamonthortwolater,withoutanyextracharge.Oryoumay

choosetospreadoutyourpaymentsoverseveralmonthsandpayonlypartofthetotalamounteachmonth.If

youdothis,thecreditcardcompanyofthebankwhosponsorsthecreditcardwilladdasmallservicecharge

toyourbill.Thisisveryconvenientforcustomers.Withthecreditcardinyourwalletorpurse,youdon'thave

tocarrymuchcash(现金).Thissavesyourtripstothebanktocashchecks.Alsoifyoucarrycreditcards

insteadofalotofcash,youdon'thavetobeconcernedaboutlosingyourmoneythroughcarelessnessortheft.

Creditcardsarebigbusiness.Americansspend$16billionayearoncards.Creditcardcompaniesmakea

profitfromthefeestheychargethestoreandalsofromthefeescollectedfromcustomerswhopayfortheir

chargesinmonthlyinstallments(注册).However,creditcardcompaniessometimeshaveproblemscollecting

overduepaymentsfromunreliablecustomersiftheychargemorethantheycanpayfor.

Yet,inmanyways,thebigloserinthecreditcardsystemisnotthecreditcardcompany,thestore,orthe

carduser,butratherthegeneralcustomer.Thestoremakesupforthefeesitpaystothecreditcardcompany

byincreasingpricesforgoodsandservices.Storesmayhavemoresalesiftheyacceptcards,buttheadded

costtothestorewhencreditcardsareacceptedinsteadofcashisactuallypassedontoallconsumersinhigher

prices.Inthisway,thecashcustomersuffersfortheconveniencethecreditcardcustomerenjoys.1.Accordingtothepassage,nearlyeveryonecanapplyfor(申请)creditcardsifheorshecanprovetobe____.[ ]A.adependableandhonestperson

B.apersonwitha