英语作文信用卡_范文大全网

范文一：英语作文信用卡

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 their customers to change the way they buy things. Credit cards, otherwise 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.

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.

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.

2.Credit cards have had bad press over the past few months of the credit crunch they only cause more debt and have unfair rates of interest. . However, if a credit card is used in the correct way and you keep up with your payments, they can be very valuable in many aspects.

One of the most beneficial aspects of having a credit card is that it can help you to increase your credit score. If you have little borrowing experience, taking out a credit card helps to convey to other creditors that you are a responsible and reliable borrower.

Another benefit of owning a credit card is that it can be easier to buy things. Some companies, such as those in the travel sector like hotels, airlines and car rental companies prefer payment by credit card, and some do not accept cash payments at all. As well as this convenience, many card companies give insurance on large purchases. An example of this is when airline XL went bust in September,

A more obvious benefit of a credit card, and one of the main reasons people apply for a credit card, is that you have access to money during emergencies. If you resist the temptation of spending the money on your credit card, you are left with a good sum of money to use when you most need it. You only pay interest on purchases or

on cash withdrawals, so keeping a credit card at home (where you won't be able to spend on it) can be very valuable.

范文二：信用卡利弊英语作文

信用卡利弊英语作文

篇一:2011年12月英语四级作文话题预测

及范文:大学生使用信用卡

2011年12月英语四级作文话题预测及范文:大学生使用信用卡

主题:大学生使用信用卡

On Credit Card

At present, a wide vareity of credit cards issued by major banks and shopping malls are thriving in colleges and universities across the nation, with a multitude of college students making up a growing population of card holders. Indeed, one out of five students is estimated to be in possession of at least one credit card, and the figure is expected to be on the steady increse, the latest data published by Yangtze Evening Post suggests。

Like anything prior to the emergence of this small piece of plastic, the increasing popularity of credit card on campus has both bright and dark sides. On the one hand, young adults in college, free from the trouble of pocketing a considerable sum of cash, could enjoy the convenience of credit cards and purchase expensive goods by installments. On the other hand, however, the irresponsible and excessive use of the cards by these youngsters, the majority of

whom are fresh out of middle school incapable of budgeting their money, can make them heavily in debt which will take them years to pay off。

On my personal level, while enjoying a host of conveniences the credit card may bring, we couldn’t afford to ignore a conspicious

fact: in most cases, parents are our sole financial sources.Instead of spending without any restrict, we are supposed to put studies on the top of our agenda and move ourselves beyond heavy dependence upon our parents。

篇二:Credit card life 信用卡生活英语作文

Credit card life

With the development of the society, the credit card has become an indispensable part of people's life. But people’s view of it

has a lot of kinds, which makes the development of the credit card is limited.

As is known to all, every coin has its two sides. On the one hand, some people think that credit card is of great help to their lives. For example, when they are out shopping, they don't have to take a lot of cash. And when they don't have enough money to pay, they can brush a credit card to buy the things they expect. On the other hand, some people think that credit card to make their life worse off. Because credit card will be your greatest limitwhen you

don't have the ability to pay off your debt. You may beupset for reimbursementall day. This will make your life become a mess. Anyway, the disadvantage of credit card is obvious.

In my opinion, the credit card is not suitable for me. Because I'm a self-control ability is not strong. May I use credit card to buy a lot of things, but I can't pay off the debt by museif in the end.Besides, I'm no independent source of income. I may beuse a credit card after getting married.

机械14-6

张兆露

14040100630

篇三:六级作文预测第7篇:信用卡

[2010六级] 12月六级作文预测第7篇:信用卡热点作文7

Directions: For this part, you are allowed 30 minutes to write a composition on the topic Credit Cards on Campus. You should write at least 150 words, and base your composition on the outline (given in Chinese) below:

1)近年来越来越多的大学生开始使用信用卡

2)分析产生该现象的原因

3)针对大学生使用信用卡提出你的建议

【思路点拨】

本题属于提纲式文字命题。提纲第1点指出一种现象，提纲第

2点要求分析产生该现象的原因，提纲第3点要求针对该现象给

出“我”的建议，由此可判断本文应为现象解释型作文。

根据所给提纲，本文应包含以下内容:描述大学生使用信用卡

的现状;分析大学生信用卡用户增加的原因;针对大学生使用信

用卡提出“我”的建议。

【参考范文】

Credit Cards on Campus

In recent years, credit cards have gained more popularity among college students. With banks’ more focus on college market, an

increasing number of college students have applied for credit cards and begun to consume by them.

The following three factors can account for the popularity of credit cards on campus. Firstly, a credit card provides overdrawing service, which is a big attraction for those students who have not much money for their domination. Secondly, a credit card can help release financial burdens on those poor students, and hence reduce the risk of their dropping school for lacking money. Besides, many banks make some preferential policies on credit cards, like sending a gift, lowering year cost. Drawn by these policies, many college students have applied for credit cards.

As far as I am concerned, it is not a bad thing for college students t

o own credit cards. However, there is misuse of credit cards among

college students. Many students use credit cards to buy luxurious things they don’t need really, and even some of them owe a big

credit card debt. Therefore, schools and banks have

responsibility to let college students learn how to use credit cards properly. Only in this way can college students enjoy really the advantages of credit cards.

范文三：英语六级作文 Credit Cards on Campus 校园里的信用卡

Credit Cards on Campus 校园里的信用卡

1) 近年来越来越多的大学生开始使用信用卡

2) 分析产生该现象的原因

3) 针对大学生使用信用卡提出你的建议

Credit Cards on Campus

_______________________________________________________________________________ _______________________________________________________________________________ _______________________________________________________________________________ 行文思路

本题属于提纲式文字命题。提纲第 1点指出一种现象, 提纲第 2点要求分析产生该现象的原因,提纲第 3点要求针对该现象给出 “ 我 ” 的建议,由此可判断本文应为现象解释型作文。

根据所给提纲, 本文应包含如下内容:描述大学生使用信用卡的现状 ; 分析大学生信用卡用户增加的原因 ; 针对大学生使用信用卡提出 “ 我 ” 的建议。

高分范文

Credit Cards on Campus

In recent years, credit cards have [1]gained more popularity among college students. [2]With banks’ more focus on college market, [3]an increasing number of college students have applied for a credit card and begun to consume by it.

[4]The following three factors can account for the popularity of credit cards in college. [5]Firstly, a credit card provides overdrawing service, [6]which is [7]a big attraction for those students who have no much money for their domination. [5]Secondly, a credit card can help release financial burdens on those poor students, and [8]hence reduce the risk of their dropping school for lacking money. [5]Besides, many banks make some preferential policies on credit cards, like sending a gift, lowering year cost. [7]Drawn by these policies, many college students apply for credit cards.

[5]As far as I am concerned, it is not a bad thing for college students to own credit cards. [5]However, there is misuse of credit cards among college students. Many students use credit cards to buy luxurious things they don’t need really, and even some of them owe a big credit cards debt. [5]Therefore, schools and banks have responsibility to let college students learn how to use credit cards properly. [9]Only in

this way can college students enjoy really the advantages of credit cards.

【亮点点评】

[1]“ 越来越流行 ” 。

[2]“ 随着 ” ,介词。

[3]“ 越来越多的 ” 。

[4]用于引出原因。

[5]过渡衔接词语,使文章条理清晰、衔接紧密。

[6]which引导非限制性定语从句。

[7]表示 “ 吸引 ” 的两种不同的方式,用词富于变化。

[8]“ 由此,因此 ” 。

[9]“only+状语 ” 位于句首,引起句子部分倒装。

佳句临摹

1. 佳句:With banks’ more focus on college market, an increasing number of college students have applied for a credit card.

临摹:随着市场经济的快速发展,金钱在社会中扮演着越来越重要的角色。 ___________________________________________________________________________.

2. 佳句:A credit card can help those poor students pay their tuition and fees, and hence reduce the risk of their dropping school.

临摹:一些同学希望通过社会实践提高自己的能力,并由此来增加就业机会。 3. 佳句:Drawed by these policies, many college students apply for credit cards. 临摹:在就业压力的迫使下,一些大学生开始自主创业。

___________________________________________________________________________.

【 KEY 】

1. With the rapid development of market economy, money plays a more and more important role in the society.

2. Some students hope to enhance their practical abilities by attending social practice, and hence increase their chances of employment.

3. Forced by employment pressure, some college graduates begin to set up their own businesses.

范文四：英语作文信用卡的利弊

Nowadays, credit card has been a popular consumption in modern living hood. However, different people hold different views in it and heated debates are right on their way.

如今，信用卡已经成为现代生活中一种的普遍消费方式。

然而，不同的人对此有不同的看法，并且各执一词，争论激

烈。

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 consumption. They consider credit card is more promote and healthier than cash, for the latter is easy to lose and dirty. In addition, they argue that credit card can help a lot if we involve in financial trouble. That is to say, the overdraw service by credit card would give a hand to pay for hospital and university.

赞成刷卡消费的人指出，信用卡为我们提供了一个方便，

安全的消费方式。他们认为，使用信用卡比现金更方便卫生，

后者容易丢失，也不干净。此外，他们还认为，当我们面临

财务危机时，信用卡可以帮助解决燃眉之急。例如，信用卡

的透支功能可以帮助我们支付医疗费和大学学费。

However, there are many people standing on the other ground. They figured 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.

不过，也有许多人持反对意见。他们指出刷卡消费引起了

各种严重问题。不少人盲目刷卡消费。更糟的是，他们花钱

如流水，从不制定消费计划，这将导致无节制透支，从而使

得越来越多的家庭陷入经济危机。

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.

在我看来，双方的观点都有可取之处。因此，作为理性的

消费者，我们应该正确地使用信用卡。一方面，我们可以利用信用卡支付方便的优势;另一方面，我们应该在刷卡消费时保持理性，以免过度消费。

范文五：信用卡的利弊,英语作文

信用卡的利弊,英语作文

篇一:2011年12月英语四级作文话题预测

及范文:大学生使用信用卡

2011年12月英语四级作文话题预测及范文:大学生使用信用卡

主题:大学生使用信用卡

On Credit Card

whom are fresh out of middle school incapable of budgeting their money, can make th

em heavily in debt which will take them years to pay off。

On my personal level, while enjoying a host of conveniences the credit card may bring, we couldn’t afford to ignore a conspicious

篇二:六级作文预测第7篇:信用卡

[2010六级] 12月六级作文预测第7篇:信用卡热点作文7

1)近年来越来越多的大学生开始使用信用卡

2)分析产生该现象的原因

3)针对大学生使用信用卡提出你的建议

【思路点拨】

本题属于提纲式文字命题。提纲第1点指出一种现象，提纲第

2点要求分析产生该现象的原因，提纲第3点要求针对该现象给

出“我”的建议，由此可判断本文应为现象解释型作文。

根据所给提纲，本文应包含以下内容:描述大学生使用信用卡

的现状;分析大学生信用卡用户增加的原因;针对大学生使用信

用卡提出“我”的建议。

【参考范文】

Credit Cards on Campus

In recent years, credit cards have gained more popularity among college students. With banks’ more focus on college market, an

increasing number of college students have applied for credit cards and begun to consume by them.

As far as I am concerned, it is not a bad thing for college students to own credit cards. However, there is misuse of credit cards among college students. Many students use credit cards to buy luxurious things they don’t need really, and even some of them owe a big

credit card debt. Therefore, schools and banks have

responsibility to let college students learn how to use credit cards properly. Only in this way can college students enjoy really the advantages of credit cards.

篇三:Credit card life 信用卡生活英语作文

Credit card life

With the development of the society, the credit card has become an indispensable part of people's life. But people’s view of it

has a lot of kinds, which makes the development of the credit card is limited.

In my opinion, the credit card is not suitable for me. Because I'm a self-control ability is not strong. May I use credit card to

buy a lot of things, but I can't pay off the debt by museif in the

end.Besides, I'm no independent source of income. I may beuse a credit card after getting married.

机械14-6

张兆露

14040100630

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