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Credit cards have made shopping much easier for 1_______ of people. With a credit 2_______, you don’t have to carry lots of cash with you when you go shopping. You just need to take one plastic card with you. With credit cards, you get a bill at the end of each month. If you 3_______ the bill immediately, you don’t have to pay the credit card company any money. If you delay paying some or all of the bill, however, the 4_______ card company charges you extra.