Which one of the following is not an advantage of a credit card?

O It can be used to obtain long-term credit or a long-term loan at a low interest rate

O It helps you track your spending habits because the credit card company sends you a monthly statement with an itemized list of all your card-related purchases

- It allows access to cash whenever and wherever you need it because any bank or ATM that displays your credit card's symbol will give you cash up to a certain limit
(usually for a small transaction fee)

O It enables you to establish a personal credit-card history