听力原文：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. (26)