篇一：学生使用信用卡 Credit Cards on Campus
Nowadays, credit cards have been increasingly popular on campus in that banks are growingly paying their attention to students and laying out various policies to cater for students’ need. People hold different views towards students’ owning credit cards. As far as I am concerned, it is necessary for students to keep credit cards.
如今，信用卡在校园中已经越来越流行了，因为银行越来越关注学生并制定各种政策来满足学生的需求。对于学生拥有信用卡人们有不同的看法。我觉得是有必要的。
There are reasons accounting for my view. For one thing, it is convenient for students to deal with various financial matters. Students can use their credit cards to pay their tuition fees and other fares and that is safer than pocket a large sum of money go everywhere. For another, using credit cards is a good way to teach students to improve their ability in managing their money and form good habit in spending money. For instance, students who receive their pocket money at the beginning of the month have to make a plan to spend their money before they consume with the credit cards, so that they will not suffer from lacking of money at the end of the month. In addition, the overdrawing function of the credit cards provides a chance for those students who cannot afford their tuition fees to continue to receive their education.
我认为以下原因能支持我的观点。一方面，它便于学生处理各种财务问题。学生可以使用他们的信用卡来支付他们的学费和其他费用，这比装着一口袋的钱到处走要安全得多。另一方面，使用信用卡可以提高学生管理金钱的能力，并养成良好的花钱习惯。例如，在月初时学生得到的零花钱必须要在使用信用卡的之前制定计划，这样他们就不会在月底资金短缺。此外，信用卡的透支功能为那些无法交付学费的学生提供继续接受教育的机会。
Although some students overdraw their money from their credit cards to buy luxurious and unnecessary things that will increase their family financial burden, I consider that the advantages far outweigh its disadvantages.
虽然一些学生透支信用卡来购买会增加家庭经济负担的奢侈品和不必要的东西，但是我认为它的优点远远大于它的缺点。
Thus, I consider that it is necessary for students to use credit cards. Besides, they also should be taught to use it properly and form a correct notion of consume.
因此，我认为学生使用信用卡是有必要的。此外，他们还应该得到教导如何正确使用信用卡，形成正确的消费观念。
篇二：关于信用卡优缺点The Advantages and Disadvantages of Credit Card
Personal credit cards are becoming more common in China. Banks and other financial institutions are encouraging their customers to change the way they buy things. Credit cards, known as “plastic money”, are being offered on very good terms to encourage the change. Consumers will be able to “buy now, pay later”, and many see this as an advantage.
个人信用卡在中国变得越来越普遍。银行和其他金融机构都鼓励他们的客户改变买东西的方式。信用卡，称为“塑料钱”，正在提供非常良好的条件来鼓励改变。消费者将能够享受“先购买，后付款”，很多人认为这是一个优势。
But people need to be careful. There are dangers associated with credit cards. Some people find it very easy to exceed their budget. 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.
但人们要小心。信用卡伴随危险。有些人发现很容易超过自己的预算。他们试图购买他们并不真正需要的商品，并迅速由于债务负担过重。信用卡往往收取较高的利率，这加剧了这些问题。
However, used wisely credit cards can improve the quality of people’s lives. They can give people access to money to meet sudden unplanned expenses. Properly handled, they can let people control their expenditure and the monthly statements provide a record of where their money has gone.
但是，理性的使用信用卡可以提高人们的生活质量。他们可以得到钱来付突然的，意料之外的费用。处理得当，它们可以让人们控制他们每月的支出和记录下他们的每个月所花的钱的报表。
点评：这是一篇议论文， 关于信用卡的利弊。可以分成三部分： 第一部分，信用卡的好处，比如说应急等；第二部分，信用卡的一些弊端，比如说鼓励一些无用的消费；第三部分：你自己的观点，理性使用。
篇三：My View on Credit Card Consumption
Nowadays, credit card consumption has been a common phenomenon in our lives. However, different people hold different views in it and heated debates are right on their way.
Some are in favor of the credit card consumption. They point out the fact that credit card provides a convenient and safe way for our consumptions. They consider that using credit card to pay is more convenient and clean than pay by cash, which is as easy to lose and unclean. In addition, they argue that credit card can help a lot when we are meeting serious financial trouble. For example, when we get involved in trouble and need lots of money to solve it, the overdraw function of credit card would be a good helper.
However, there are many people standing on the other ground. They figure out that credit card consumption has brought some serious problems in many aspects. Many people spend their money recklessly by using credit card. And what’s worse, those who can not control the desire to consume and never make a plan to spend their money will overdraw the money immoderately and that will cause more and more family involve in financial crisis.
In my opinion, the both sides have some important points. Therefore, as rational consumers, we should use credit card properly. On the one hand, we can utilize its advantages for the convenience of our payment. On the other hand, we should keep a rational mind when using it, in case we will suffer from it.