A、People generally have a difficult time getting out of debt. B、Students often apply for more credit cards than they need. C、The

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 mom 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 lead 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.
Questions:
22. According to the conversation, which item did the woman NOT purchase with her credit card?
23. What is one reason to explain why the woman obtained a student credit card?
24. According to the man. what is one reason for NOT having a credit card?
25. What does the woman imply about how she plans on resolving her credit card problems?