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英语四级真题作文：大学生信用卡

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 should be cautious for students to keep credit cards.

如今，信用卡在大学校园中越来越流行了，因为银行越来越关注大学生这一群体并制定各种政策来满足学生的需求。对于大学生持有信用卡人们看法不一。就个人而言，我觉得大学生应该慎重考虑去办理信用卡。

Students need to be calm and wise when applying for or using credit cards . There are latent risks associated with credit cards. Some students find it quite 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. And in the long run, this irresponsible and irrational consumption behavior will be impeditive for students to develop into a good consumption habit.

学生们在申请或者使用信用卡的时候要冷静理智。信用卡本身伴随着风险。有些学生发现很容易超过自己的预算。他们常常情不自禁地就购买了他们并不真正需要的商品，并且很快变得负债累累。信用卡往往收取较高的利率，无疑使得这一问题雪上加霜。并且从长远来看，这一不负责任、不理智的消费行为将有碍于学生养成一个良好的消费习惯。

On the other hand, when in emergency circumstances, credit cards will play its role and save you bother relatives or friends. Credit cards can temporarily relieve your financial burden. Minimum repayment or amortization is preferred alternative when you are strapped for cash.

当然，信用卡也有用武之地。遇到紧急情况时，信用卡可以给持卡人省去叨扰亲戚或朋友的麻烦。信用卡可暂时缓解你的经济压力。按还款额或者分期还款，是个不错的选择，当你手头不太宽裕的时候。

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