Modern banks made life easier for their customers all the time. Instead of [?] into the bank to cash a [?] you can use the cash machine. These machines [?] conveniently placed outside the bank so you can use them when the banks are [?]. You can withdraw [?], ask the bank to send [?] a statement and put money into your [?] all by simply pressing a [?]. Of course if you [?] overdrawn, you won't be able to [?] any money out until you talk [?] your bank manager. If you are earning a reasonable [?], the manager will generally [?] you have credit. If, however, you are [?] debt or if you [?] a mortgage, the manager might [?] “no”. In this situation it is very useful to have a [?] card such as Visa or American Express. You can use the card to [?] for goods and services. Nowadays these cards are [?] in most shops, restaurants and hotels. You usually pay for what you have [?] with the card the following month.