Credit cards have become an essential life tool. They can be used to make purchases you don't have the cash for, or to purchase something from an online seller without having to wait for a physical check to be delivered. How would having a credit card negatively affect you?

Using the format below, write a five-paragraph letter to jem explaining how you feel about three of his decisions. explain whether or not your perception of him has changed and why. use direct quotes from the text to support why you feel the way that you do. refer to the formatting of the friendly letter below to you correctly structure your work. heading sender's address greeting (dear after skipping a line and indenting, begin your opening paragraph. this paragraph states the purpose for writing the letter. tone should be friendly and respectful. skip another line and indent to continue the body of your letter. the body is where you add examples, details, and other relevant information. this letter should contain one to two body paragraphs. skip a line and indent yet again to begin your concluding paragraph. the recipient and make any requests in this paragraph. salutation (sincerely, regards,) sender's signature