Complete the essay with the words below. also keep may have under addition having si every These days, many people use credit cards when shopping. 1) should teenagers have them, too? Certainly, there are advantages to teens 2) credit cards. First, it can teach them responsibility with money. month. Secondly. They 3) to watch their spending and make sure they can pay their bills 4) they can build up a good credit rating early on. 5) way, they can easily get a loan later. However, there are 6) disadvantages to teenagers using credit cards. Firstly, they may not be mature enough to keep their spending 7) control. They may develop an attitude which won't help them to learn to manage money well. In 8) paying by credit card may male spending seem unreal. They may run up big debts 9) realising it. To 10) up, there are points for and against teenagers having credit cards. Although they may learn responsibility by learning to pay their own bills, they 11) also not be mature enough to 12) their spending under control. It may help them get a good credit rating, but they may run up big debts.