It’s 12 to 4 (Official clock system).

03:48

It’s 12 to 4.

Correct answer

03:47

It’s 13 to 4.

Error: 1 minute earlier

02:48

It’s 12 to 3.

Error: read minutes starting from hour markings and adding minutes

10:15

It’s a quarter past 10.

Error: confuse hour and minute hands