阅读与回答问题

　　The United States is truly the land of the credit card(信用卡)．Americans use credit cards to buy almost everything．The use of credit cards has many important advantages(优势)．The use of cash(现金)is limited to the smallest amount．So less money would be stolen．People can carry their credit cards and use them instead of making withdrawals(收回)of cash from their accounts．People can also place orders for purchases(购物)by phone and by giving their credit card number．This is easier and faster than paying by check．

　　However, the use of credit cards also troubles many Americans．If a credit card owner does not pay all of the money that he owes(欠)at the end of the month, he is really borrowing the money．Until he repays all of it, the rate of interest, often about twenty percent, is very high．Because no payment(付款)is needed until one month after the purchase, many Americans have trouble limiting their purchases．When the bills finally arrive, they see that they do not have enough money．The result is high interest payments．

1．What is this passage about?

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2．What is an advantage of the use of credit card?

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3．What makes it easier to pay by credit cards than by check?

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4．Why should a person try to pay all of his credit card bills each month?

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5．What's the result if a credit card owner does not pay all of the money that he owns at the end of the month?

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