Student credit cards are becoming more and more popular, and a number of Web sites can provide information on comparing your options. With these ideas in mind, what are the advantages and disadvantages of using credit cards, particularly for people your age and in similar financial situations?

HELPFUL TIP: Having a credit card is almost essential in our lives today, but be sure to seek advice on what credit card is best for you. In addition, learning how to manage your money and any private college loan you receive takes real planning, so think ahead.

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2. Listening Exercises [Top]

Listen to the conversation by pressing the "Play Audio" button and answer the questions. Press the "Final Score" button to check your quiz.

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[ Other Audio Options: Play RealMedia | Play Window Media ]

1. According to the conversation, which item did the woman NOT purchase with her credit card?
A. a digital camera
B. a TV
C. a stereo

2. What is one reason to explain why the woman obtained a student credit card?
A. She wants to buy things at a discount using the card.
B. She hopes to establish a good credit rating.
C. She doesn't want to borrow from her parents.

3. According to the man, what is one reason for NOT having a credit card?
A. People generally have a difficult time getting out of debt.
B. Students often apply for more credit cards than they need.
C. The interest rates on student cards are very high.

4. What does the woman imply about how she plans on resolving her credit card problems?
A. She hopes that someone will give her the money.
B. She plans on getting rid of her student credit cards.
C. She is going to return the items she purchased on the card.

5. What is the man going to do for the woman to help her manage her money?
A. help her find a better paying job to cover her expenses
B. teach her how to prepare a financial management plan
C. show her how she can apply for low-interest student credit cards

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Score =
Correct answers:

Listen to the conversation again as you read the Quiz Script.

C. Watch Randall in this Video Lecture on how to manage your debt and credit cards better. Take notes as you watch and then review your ideas at the end.

III. Vocabulary and Grammar Activities [Top]

Review the key vocabulary from the conversation:

[ Why do these? ]

• Mixed-Up Sentence
• Multiple-Choice and Short-Answer Questions
• Sentence and Vocabulary Matching
• Text Completion Quiz
• Modals of Advice

IV. Post-Listening Exercises [Top]

A few decades ago, getting a credit card was somewhat difficult and almost impossible for students with no credit history. Now, many students have their own. However, finding the best card is often difficult. What do you think are the dangers of having a credit card? Share your comments by recording your own ideas below: - [ What's This? ]

V. Online Investigations - [ What's This? ] [Top]

Conduct research on two different credit cards offered online that are specifically aimed at students and compare them based on credit card fees, interest rates, and benefits of each. As part of your investigation, check to see if these companies provide credit monitoring which is one component of identity theft protection services. Furthermore, examine whether there are any hidden costs that credit card users might not be aware of when using the card. Are there any other options besides credit cards that students can use to make purchases?

Want to Tell People About This Listening Activity?

Write your ideas on a similar topic at Randall's ESL Blog HERE.

[ What's This? ]

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