read the passage.

young adults in this country are in a credit crisis. it is too easy for them to get credit cards, and companies make having a card look like fun. students sign up for credit cards to get free t-shirts. instead, the credit card companies should be focusing on the responsibilities that come with having credit and the problems that can occur when the bill is not paid on time.
what is a cause of the credit crisis?

1credit card companies should focus on creating responsible users.
2credit card companies give away free t-shirts.
3young adults do not know they should pay their bills on time.
4it is too easy for young adults to get credit cards.