It’s 12 to 3 (Official clock system).

02:48

It’s 12 to 3.

Correct answer

02:47

It’s 13 to 3.

Error: 1 minute earlier

01:48

It’s 12 to 2.

Error: read minutes starting from hour markings and adding minutes

10:10

It’s 10 past 10.

Error: confuse hour and minute hands