Answer:
They allow you to carry less cash and to pay for purchases all at once; they allow you to avoid interest charges if you use them properly; they can help you keep records of your spending.
<span>McCourt is using allusion</span>
NEWSPAPERS JOURNALS DIAIRES
The characteristics which most likely clearly shows that the passage is a memoir is; It tells about the writer’s experiences in school.
<h3>What is a Memoir?</h3>
A memoir by fiction is any nonfiction narrative writing based in the author's personal memories. The assertions made in the work are thus understood to contain factual information.
Hence, the writer's experience in school represents factual information.
Read more on memoir;
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