英語四級作文范文：大學(xué)生使用信用卡
話題：近年來越來越多的大學(xué)生開始使用信用卡，分析產(chǎn)生該現(xiàn)象的原因，針對大學(xué)生使用信用卡提出你的建議。
參考范文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&39;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。
參考范文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.