Given the question "What is one reason to explain why the woman obtained a student credit card?" and the answer "She hopes to establish a good credit rating.", write a conversation that might have happened.


Man: Hi, Sis. I just came over to drop off the DVDs you wanted, and ... Hey, wow!? Where did you get all of this stuff?

Woman: I bought it. So, what do you think of my new entertainment center? And the widescreen TV ...

Man: Bought it?

Woman: ... and my new DVD player. Here, let me show you my stereo. You can really rock the house with this one.

Man: But where did you get the dough to buy all this? You didn't borrow money from mom and dad again, did you?

Woman: Of course not. I got it with this!

Man: This? Let me see that ... Have you been using Dad's credit card again?

Woman: No, silly. It's mine. It's student credit card.

Man: A student credit card? How in the world did you get one of these?

Woman: I got an application in the mail.

Man: Well, why did you get one in the first place?

Woman: 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.

Man: What plane ticket?

Woman: Oh yeah, my roommate and I are going to Hawaii over the school break, and course, I needed some new clothes for that so ...

Man: I don't want to hear it. How does having 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!

Woman: Ah. The credit card has a credit limit ...

Man: ... of $20,000?

Woman: No, no quite that high. Anyway, ...

Man: I've heard enough.

Woman: Did I tell you we now get digital cable with over 100 channels? Oh, and here's your birthday present. A new MP3 player ...

Man: 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?

Woman: Um, with my birthday money? It's coming...