Task 4. Read the following passages and mark the letter A, B, C or D to indicate the correct word for each of the blanks from 16 to 20.
In the past, people bought goods using (16) . They rarely borrowed money from financial institutions and only when they had saved the money did they buy what they wanted. Recently, however, there have been great changes in the way people purchase goods. To begin with, some people pay for things by cheque, (17) _ others prefer monthly installments rather than paying the whole amount at once. Most consumers, though, prefer to buy things using their credit cards. (18) , it is thought that there are benefits to having a credit card. Apart from the fact that credit cards are handy, some stores offer bonus points to people making purchases, while others give discounts on certain products. On the other hand, credit cards must be used wisely because they can prove disastrous. In the long run, consumers find that they can’t (19) ____without their credit cards and constantly rely on them, as they are “easy money”. As a result, some people lose control of their finances spending more than they should end up not being able to (20) ____. So they end up in debt and have difficulty in paying it back.
(17)
A.when
B.while
C.why
D.what
