answer: #Person1#'s sister shows #Person1# her widescreen TV and a set of stereo she bought using the student credit card, and #Person1# is unhappy after knowing she also bought a plane ticket to Hawaii and new clothes. #Person1# thinks the credit cards lead to impulse spending, then #Person1#'s sister further tells #Person1# she bought a digital cable with over 100 channels and an MP3 player for #Person1#'s birthday, which makes #Person1# feel ridiculous and decide to help the sister pay things back.
documents: #Person1#: Hi, Sis. I just came over to drop off the DVDs you wanted, and ... Hey, wow!? Where did you get all of this stuff?
  #Person2#: I bought it. So, what do you think of my new entertainment center? And the widescreen TV ...
  #Person1#: Bought it?
  #Person2#: ... and my new DVD player. Here, let me show you my stereo. You can really rock the house with this one.
  #Person1#: But where did you get the dough to buy all this? You didn't borrow money from mom and dad again, did you?
  #Person2#: Of course not. I got it with this!
  #Person1#: This? Let me see that ... Have you been using Dad's credit card again?
  #Person2#: No, silly. It's mine. It's student credit card.
  #Person1#: A student credit card? How in the world did you get one of these?
  #Person2#: I got an application in the mail.
  #Person1#: Well, why did you get one in the first place?
  #Person2#: Listen. Times are changing, and having a credit card helps you build a credit rating, control spending, and even buy things that you can't pay with cash ... like the plane ticket I got recently.
  #Person1#: What plane ticket?
  #Person2#: Oh yeah, my roommate and I are going to Hawaii over the school break, and course, I needed some new clothes for that so ...
  #Person1#: I don't want to hear it. How does having a student credit card control spending? It sounds you've spent yourself in a hole. Anyway, student credit cards just lead to impulse spending ... as I can see here. And the interest rates of student credit cards are usually sky-high, and if you miss a payment, the rates, well, just jump!
  #Person2#: Ah. The credit card has a credit limit ...
  #Person1#: ... of $20,000?
  #Person2#: No, no quite that high. Anyway, ...
  #Person1#: I've heard enough.
  #Person2#: Did I tell you we now get digital cable with over 100 channels? Oh, and here's your birthday present. A new MP3 player ...
  #Person1#: Yeah. Oh, don't tell me. Charged on the credit card. Listen. Hey, I don't think having a student credit card is a bad idea, but this is ridiculous. And how in the world are you going to pay off your credit card bill?
  #Person2#: Um, with my birthday money? It's coming up in a week.
  #Person1#: Hey, let's sit down and talk about how you're going to pay things back, and maybe we can come up with a budget that will help you get out of this mess. That's the least I can do.