听力题 M: Morning, Alice. Still having problems with your faucet? W: No, got that fixed. But I have another headache—trying to make a decision about credit cards. Well, I need one but which one? M: Yes, that is tricky, especially since the rates are not standard. W: That''s right. What people don''t realize is that the credit associations like Visa and MasterCard don''t issue credit cards or set terms and interest rates individual banks do. M: So you will need to investigate what interest rates are charged by different issuers. W: Yes, also how the rates are actually calculated, I think. M: Alice, you should remember to ask them what rules you must follow to maintain these rates. If you don''t pay off your bill, all new charges will begin rising immediately. W: Yes, that''s another problem and banks charge varying amounts for annual membership, late payments and exceeding your credit line. M: You know, I read somewhere that 70% of people with credit cards pay interest on their purchases and only about 2% of the cardholders knew the interest rate they were being charged. Nearly all credit card debt carries an interest rate of 24% or less. W: Wow, I guess I should ask a few hard questions.