小編前言：還有一個(gè)月就是2012年6月四六級(jí)考試了，相信大家都已經(jīng)在認(rèn)真復(fù)習(xí)中了。小編特匯總幾篇四六級(jí)作文預(yù)測(cè)，希望能為大家的復(fù)習(xí)做些參考，學(xué)習(xí)一些實(shí)用表達(dá)和寫(xiě)作方法。

Credit Cards

1. 越來(lái)越多的人使用信用卡
2. 信用卡的弊端
3. 信用卡有哪些好處

【對(duì)比選擇型模板】

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.（描述現(xiàn)象段）

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.（說(shuō)明問(wèn)題段）

However, wisely used 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.（總結(jié)觀點(diǎn)段）

點(diǎn)評(píng)：這是一篇議論文，關(guān)于信用卡的利弊?？梢苑殖扇糠郑旱谝徊糠?，信用卡的好處，比如說(shuō)應(yīng)急等；第二部分，信用卡的一些弊端，比如說(shuō)鼓勵(lì)一些無(wú)用的消費(fèi)；第三部分：你自己的觀點(diǎn)，理性使用。