??? Recently,with the credit card playing an increasingly important role in our daily life,more and more people are fond of taking an card when them go out.Credit cards can be handy — they mean you do not have to carry large sums of cash.Even so,many people still be fall into the trap of credit card.
??? As a matter of fact,thought-provoking as it is,does mirror a current social phenomenon-we need to be cautious when using credit cards. Banks and other financial institutions are encouraging their customers to change the way they buy things. Thought credit card may bring people great convenience.There re many risks associated with the irresponsible and excessive use of it. 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.And worst of all,if you don't pay your debt in time,a negative make will be on your credit report.
??? As far as I'm concerned,using credit cards wisely can improve the quality of lives.You can pay by credit card.Like a coin has two sides,there is a positive aspect and a negative aspect.We should be taught to use it properly and form a correct notion of consume.

可使用的句子
近幾年信用卡業(yè)務(wù)迅猛增長，太多的放貸機(jī)構(gòu)在辦理該類業(yè)務(wù)時附加了隱形條款和機(jī)關(guān)陷阱，無數(shù)客戶受騙上當(dāng)并不堪其辱。
??? As the credit card business boomed in recent years, too many lenders added tricks and traps that have ensnared and infuriated millions of their customers.
此外，信用卡的使用還將減少中央銀行的鑄幣稅收入，削弱再貼現(xiàn)政策、法定準(zhǔn)備金政策、公開市場操作等貨幣政策工具的效力，增大金融系統(tǒng)的流動性風(fēng)險和信譽(yù)風(fēng)險。
??? Besides, the use of credit cards will also reduce the seigniorage revenues of central banks, weaken the effects of monetary policy tools and raise the liquidity risk and credit risk in financial system.