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1、Thecreditcardtrap1Ihaveaconfession.Severalyearsago,Iwasstandinginaqueuetocollectsometheatreticketsformyfamily,andmyfriendwasdoingthesameforhers.Igotmine,andpaidforthembycreditcard,feelingcontentedbytheconvenienceofthiscash-freetransaction.Itwasthenhert
2、urntopay.Thewholeoperationpassedassmoothlyasmine,butmydelightsoonturnedtoabjectshame.Mycreditcardwasafairlypathetic,status-freedarkblue,whereasherswasaveryexclusivegoldone.Text2Howdidshedothis?Howcouldthisbe?IknewIearnedmorethanher,mycarwasnewer,andmyh
3、ousewassmarter.Howdidshegettoappearmoreflashthanme?3Now,Ihadajobwhichwasassteadyasanyjobwasinthosedays–that'stosay,notvery,butyouknow,nocomplaints.Ihadamortgageonmyhouse,butthenwhodidn't?Ipaidoffallmycreditdebtattheendofthemonth,soalthoughtechnically,I
4、wasindebttothecreditcardcompany,itwasonlyforamatterofafewweeks.SoIassumedIhadagoodcreditrating.Text4Callmesuperficial,andI'mnotproudofmyself,butthereandthen,Iwassuddenlyjealousofmyfriend.IdecidedInolongerwantedabluecard.Iwantedagoldone.Agoldcardwassudd
5、enlyindispensable,itwouldmakemefeelgoodwithmyself,anddesirabletoothers.5SoIappliedforthemostdistinctive,shinygoldencardthecompanyoffered.6Iwasturneddown.Text7WhenIhadrecoveredfromtheshock,whichtookseveralseconds,Iaskedwhy.ItappearsthatbecauseIpaymycred
6、itcardbillbothontimeandinfull,I'mnotthekindofpersonthattheywanttohavetheirgoldcreditcard.Theytargetpeoplewhoarepronetoimpulse-buying,andpotentiallybadcreditrisks,temptedtospendmorethantheyhave,andliabletofallbehindwithrepayments.Thentheycanchargethemmo
7、reinterest,andearnmoremoney.That'sthewaytheydobusiness.Text8Sodoesthisexplainwhythecreditcardcompaniesareluringimpoverishedstudentswithunrealisticinterestrates,likemykids?9Threeweeksago,No.2daughtercamehomefromuniversityfortheweekend.She'sinhersecondte
8、rmofherfirstyear.Shehasastudentloanof£3,000,likemostofherfriends,andasmallallowancefromherpoormother(ha!)fortransport,books,livingexpenses.Shewearsclothesfromthelocalcharityshops,andrarelygoesout.Shehuggedme(neverusuallydoesthat)andthen
