英语四级作文范文：大学生使用信用卡

话题：近年来越来越多的大学生开始使用信用卡，分析产生该现象的原因，针对大学生使用信用卡提出你的建议。

参考范文1

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。

参考范文2

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??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.

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