大学生英语作文范文-信用卡的利弊

Directions: For this part, you are allowed 30 minutes to write a short essay on the topic of Credit Cards. You should write atleast 120 words following the outline given below in Chinese:1. 越来越多的⼈使⽤信⽤卡，信⽤卡有哪些好处2. 信⽤卡的弊端3. 你⾃⼰的观点Credit Cards

Personal credit cards are becoming more common in China. Banks and other financial institutions are encouraging theircustomers to change the way they buy things. Credit cards, otherwise known as “plastic money”, are being offered on verygood terms to encourage the change. Consumers will be able to “buy now, pay later”, and many see this as an advantage.But people need to be careful. There are dangers associated with credit cards. Some people find it very easy to exceed theirbudget. They are tempted to purchase goods that they do not really need, and can become quickly overburdened by debt.The credit cards often charge a high rate of interest, which exacerbates the problems for these people.

However, used wisely credit cards can improve the quality of people’s lives. They can give people access to money to meetsudden unplanned expenses. Properly handled, they can let people control their expenditure and the monthly statementsprovide a record of where their money has gone.