Language Points | Comprehension Questions Text A    Credit Cards   What's the use of credit cards? What's the advantage of using credit cards instead of cash?ª¤ Why does the bank add a small service charge to the total bill?ª¤ Why do a lot of credit card companies issue the credit cards free to our customers? Under what circumstances can the customers use their credit cards?         When the customer buys something at a store, he shows his card at the store. This authorizes the store to charge the bank for the customer's purchase. ª¤ With the credit card, you don¡¯t have to carry much cash. This saves your trips to the bank to cash checks or withdraw cash. Also, if you carry credit cards instead of a lot of cash, you don¡¯t have to worry about losing your money through carelessness or theft. If you make your payments over several months and pay only part of the total amount each month, the credit card company, or the bank who sponsors the credit card, will add a small service charge to your total bill. Credit cards are big business. For example, Americans spend ¡ç16 billion a year on cards, and there are already 59 million of them in circulation. They can use their credit cards in their daily lives. Such as spending money on transportation , shopping and buying many things that they need and want or spending a lot of money on entertainment. Many people don't pay cash or write checks for these things. More and more, they pay for things with credit cards.