You will hear five short recordings. For each recording, decide which advantage/benefit of credit cards the speaker is refer

You will hear another five recordings.
For each recording, decide which advantage/ benefit of credit cards the speaker is referring to.
Write one letter(A - H)next to the number of the recording.
Do not use any letter more than once.
After you have listened once, replay the recordings.
You have 15 seconds to read the list A-H.
[pause]
Now listen, and decide which advantage/ benefit of credit cards the speaker is referring to.
[pause]
Eighteen
Woman: There are many evils associated with credit cards, but there are benefits that are hard to ignore. One benefit is having the credit card company act on your behalf to recover funds from a disputed transaction. Under the Fair Credit Billing Act the credit card company has to investigate the dispute and either take the charge off your bill or explain why it is correct. E-ven better, you don’t have to pay the portion of the credit-card bill or related interest charges while the dispute is being investigated.
[pause]
Nineteen
Man: Credit card acts as a loan: something very important is that you can have available your own short-term loan. A credit card as a short-term loan where you can have a specific amount of money available each month for you. Also, there are banks that offer to their customers an extra-limit amount which could be based on a percentage over your current credit card limit. This limit is often used for people who want to have a short-term loan without having to go to the bank and start a complex negotiation process.
[pause]
Twenty
Woman: If you want to purchase a Pizza when you are at home with your friends or family, there are several shops in Australia that accept credit cards payment through telephone. It is a great advantage because you don’t have to use cash money while you stay at home. You can make payments from home easily. On the other hand, if you are in your office, you can also make orders of goods and services and pay through telephone with your credit cards. You can also purchase online: the use of credit cards to purchase on the Internet is an ever-growing market that is everyday getting a higher popularity around the world.
[pause]
Twenty-one
Man: If you are a young person, credit cards that are well paid off on a timely basis, no late payments help to establish your credit rating. If you will need to have credit to purchase large items like cars, homes or furniture, then having a good credit rating can help you finance these purchases. Credit cards enable young people to buy things by installment, which can lighten the financial pressure while owing their favourite commodities. But be careful to consider the annual fees and be careful to pay on time. Some cards have very short payment windows.
[pause]
Twenty-two
Woman: Does your current credit card have a rewards or cash back scheme included? Are you benefiting from the reward scheme you currently have in place? Credit card companies have various promotional events to attract their customers. For example, you can exchange your points for store vouchers that could help you with your grocery shopping. Some credit cards can earn bonuses for you that give you travel tickets, or other items that you select.