Credit Cards

　　1.越來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

　　可參考［對比選擇型模板］

　　Credit Cards

　　Personal credit cards are becoming more common in China. Banksand other financial institutions are encouraging their customers to change theway they buy things. Credit cards, otherwise known as “plastic money”， arebeing offered on very good terms to encourage the change. Consumers will beable to “buy now, pay later”， and many see this as an advantage。(描述現象段)

　　But people need to be careful. There are dangersassociated with credit cards. Some people find it very easy to exceed theirbudget. They are tempted to purchase goods that they do not really need, andcan become quickly overburdened by debt. The credit cards often charge a highrate of interest, which exacerbates the problems for these people。(說明問題段)

　　However, wisely used credit cards can improve the qualityof people’s lives. They can give people access to money to meet suddenunplanned expenses. Properly handled, they can let people control theirexpenditure and the monthly statements provide a record of where their moneyhas gone。(總結觀點段)

　　點評：這是一篇議論文，關于信用卡的利弊?？梢苑殖扇糠郑旱谝徊糠?，信用卡的好處，比如說應急等；第二部分，信用卡的一些弊端，比如說鼓勵一些無用的消費；第三部分：你自己的觀點，理性使用。