[originaltext]M: Hi，Sis. I just came over to drop off the DVDs you wanted，and…H

M: Hi，Sis. I just came over to drop off the DVDs you wanted，and…Hey，wow!Where did you get all of this stuff?
W: I bought it. So，what do you think of my new entertainment center?And the Widescreen TV…
M: Bought it?
W: …and my new DVD player. Here，let me show you my stereo. You can really rock the house with this one.
M: But where did you get the dough to buy all these?You didn’t borrow money from morn and dad again，did you?
W: of course not. I got it with this!
M: This?Let me see that…Have you been using dad’s credit card again?
W: No，silly. It’s mine. It’s a student credit card.
M: A student credit card?How in the world did you get one of these?
W: I got an application in the mail.
M: Well，why did you get one in the first place?
W: Listen. Times are changing，and having a credit card helps you build a credit rating，control spending，and even buy things that you can’t pay with cash…like the plane ticket I got recently.
M: What plane ticket?
W: Oh yeah，my roommate and I are going to Hawaii over the school break，and of course，I need some new clothes for that so……
M: I don’t want to hear it. How does a student credit card control spending?It sounds you’ve spent yourself in a hole. Anyway，student credit cards just 1ead to impulse spending…as I can see here. And the interest rates of student credit cards are usually sky-high，and if you miss a payment，the rates，well，just jump!
W: Ah. The credit card has a credit limit…
M: …of $20，000?
W: No，not quite that high. Anyway，…
M: I’ve heard enough.
W: Did I tell you we now get digital cable with over 100 channels?Oh，and here’s your birthday present. A new MP3 player…
M: Yeah. Oh，don’t tell me. Charged on the credit card. Listen. Hey，I don’t think having a student credit card is a bad idea，but this is ridiculous. And how in the world are you going to pay off your credit card bill?
W: Um，with my birthday money?It’s coming up in a week.
M: Hey，let’s sit down and talk about how you’re going to pay things back，and maybe we can come up with a budget that will help you get out of this mess. That’s the least I can do.