ESL Conversation Questions About Credit Cards

Instructor: Yolanda Reinoso Barzallo

Yolanda holds a CELTA Cambridge, a Juris Doctorate, and a Master of Public Administration. She is a published author of fiction in Spanish.

Your ESL students should be fairly familiar with credit cards, especially if they are adults. This lesson provides you with some engaging ways to introduce credit cards as a topic plus some discussion questions.

Credit Cards Can Be Interesting

Before your ESL students can answer discussion questions about credit cards, they may need a little motivation. Since credit cards are part of daily life, some students may find the topic rather boring, while others may not be aware of what credit cards are or what they do.

When introducing the topic, you could ask your students to tell you how a credit card works and how people can obtain one. You could also discuss the differences between a credit and debit card. Try showing an image of a $100 bill and presenting students with a hypothetical scenario: 'Imagine you decide to lend this money to your neighbor, who offers to pay it back with interest. How much time would you give your neighbor to pay you back, and how much interest would you charge?'

Consider having adult ESL students make a list of words that are part of the lender-borrower relationship, for example, 'credit score', 'trust', and 'risk.' When your ESL students are ready to talk about credit cards, ask them to keep in mind some of the important aspects of having one.

Questions About Credit Cards

To begin, have your ESL students talk about the importance of keeping a credit card safe. Here are some sample questions:

  • Should credit card holders trust friends or family with their credit card details? Think about what could go wrong.
  • When paying at a restaurant with a credit card, the waiter/waitress walks away with your card. Does this ever make you feel nervous? What could he or she do that would be bad for you?
  • What measures can credit card holders take to avoid getting their credit card details stolen?
  • What are the dangers and the advantages of online shopping with credit cards?

Additionally, your ESL students can discuss topics that have to do with using a credit card responsibly.

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