Read the following passage and fill in the blanks with appropriate words given.
with, losing, conservative, make , attract, issue, over, use, practice, balance.
Facing the large potential market,banks have been racing to 1)_______credit cards since the business shifted into high gear in China in 2003.
The competition has intensified with card issuers bombarding the market 2)______cash bonuses and other gifts to win 3)______consurners. Banks try to 4)_______more customers by offering various perks, cooperation with stores, airlines,hotels and even universities.
The growing wealth of the Chinese people has added allure to the credit card business.However,most banks are 5)_______money in their credit card businesses as a large portion of the cards have apparently never been used since they were issued.A report issued by 51 Credit.com and Analysis International shows that only 20 to 40 percent of the credit cards issued are put into 6)__________with a large amount of cards "sleeping."
For one reason,a traditional 7)_______spending culture is making the credit card business in China much harder."Chinese feel more comfortable with the 8)_______of spending the money they really own," the McKinsey
report points out. It says that 94 percent of credit card holders pay off the 9)_______of their cards before they have to 10)______any interest payments.
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