信用卡的使用 The Use of Credit Card
 

Nowadays, with the development of Internet, it is much easier to make the deal. People don’t have to carry the paper money, instead, they can use the cards, and then click on the computer, the deal is finished. Credit card is very popular, many people choose to use it. But we need to take care.
如今，随着网络的发展，交易变得容易多了。人们不需要带着现金，他们可以使用卡，然后在电脑上面点击一下，交易就完成了。信用卡是很受欢迎的，很多人选择使用。但是我们需要当心。On the one hand, credit card gives people a large amount of money to spend ahead. When people have a lot of money at hand, they will have the strong desire to spend and buy what they want. Some people can’t control themselves. Credit card brings people the sense of satisfaction.
一方面，信用卡给人们提供了很大一笔提前预支的钱。当人们有了大笔钱在手，他们会有很强烈的愿望去消费，买自己想买的。一些人无法控制自己。信用卡给人们带来了满足感。On the other hand, credit card makes people burden a lot of money. When people spend the money ahead, it means that they need to return it. Some people become the slave of credit card, they need to pay off part of the money every month. They don’t earn much, but they need to take out some part of the salary to pay off the debt. 
另一方面，信用卡使得人们背负着很大的债。当人们提前花钱，意味着他们需要还。一些人成为卡奴，需要每个月偿还部分钱。他们本来就没有多少收入，但是还要拿出一部分薪水去还债。Every coin has two sides. Credit card brings people pleasure, at the same time, if people use it in the improper way, they can be the slave. 
凡事都有两面。信用卡给人们带来了快乐，同时，如果人们不正确使用信用卡，就会成为奴隶。

信用卡的使用 The Use of Credit Card
 

As the development of the economy and the world becomes modern, before, the way people pay for stuff is to give money, but now, there are various ways to pay the bill. The most popular way is the credit card, people don’t need to bring so much money, they can pay as much as they want. Credit card is a good way to pay the bill while at the same time we need to take care of it.

随着经济的发展和世界变得现代化，以前，人们支付东西的方式现金，但是现在，买单的方式多样化。最熟欢迎的是信用卡，人们不用带很多的钱，可以话多少都行。信用卡是支付的好方式，同时我们也要小心。

Credit card brings convenience to people’s life. People can carry a little money and can buy what they want with the card, they don’t need to worry about being robbed. What’s more, if the credit card is lost, you can also feel safe, the one who takes away your card can’t take away the money, because he doesn’t own the password.

信用卡带给人们的生活带来了方便。人们可以带一点现金，用卡买他们想买的，他们也不用担心被抢劫。而且，如果卡丢了，你也不用担心，拿走你卡的人拿不走你的钱，因为他没有密码。

The one who uses credit card has the knowledge that he can use the money more than the card owns, so he can spend more than they actually have. But it is also a tempt, people need to pay off the money, if they can’t pay off in the certain term, they will get in trouble.

使用信用卡的人都知道他可以用超过卡的钱，因此他可以花的钱比实际上的多。但是这也是一个诱惑，人们需要还钱，如果他们无法在一定的时期内还清，他们会有麻烦。

Credit card is the product of civilization, it brings convenience while with tempt, we should take a measure when we use it.

信用卡是文明的产物，它带来了方便，也带来了诱惑，我们应该掂量着使用


 

学生使用信用卡 Credit Cards on Campus

 

Nowadays, credit cards have been increasingly popular on campus in that banks are growingly paying their attention to students and laying out various policies to cater for students’ need. People hold different views towards students’ owning credit cards. As far as I am concerned, it is necessary for students to keep credit cards.

如今，信用卡在校园中已经越来越流行了，因为银行越来越关注学生并制定各种政策来满足学生的需求。对于学生拥有信用卡人们有不同的看法。我觉得是有必要的。

There are reasons accounting for my view. For one thing, it is convenient for students to deal with various financial matters. Students can use their credit cards to pay their tuition fees and other fares and that is safer than pocket a large sum of money go everywhere. For another, using credit cards is a good way to teach students to improve their ability in managing their money and form good habit in spending money. For instance, students who receive their pocket money at the beginning of the month have to make a plan to spend their money before they consume with the credit cards, so that they will not suffer from lacking of money at the end of the month. In addition, the overdrawing function of the credit cards provides a chance for those students who cannot afford their tuition fees to continue to receive their education.

我认为以下原因能支持我的观点。一方面，它便于学生处理各种财务问题。学生可以使用他们的信用卡来支付他们的学费和其他费用，这比装着一口袋的钱到处走要安全得多。另一方面，使用信用卡可以提高学生管理金钱的能力，并养成良好的花钱习惯。例如，在月初时学生得到的零花钱必须要在使用信用卡的之前制定计划，这样他们就不会在月底资金短缺。此外，信用卡的透支功能为那些无法交付学费的学生提供继续接受教育的机会。

Although some students overdraw their money from their credit cards to buy luxurious and unnecessary things that will increase their family financial burden, I consider that the advantages far outweigh its disadvantages.

虽然一些学生透支信用卡来购买会增加家庭经济负担的奢侈品和不必要的东西，但是我认为它的优点远远大于它的缺点。

Thus, I consider that it is necessary for students to use credit cards. Besides, they also should be taught to use it properly and form a correct notion of consume.

因此，我认为学生使用信用卡是有必要的。此外，他们还应该得到教导如何正确使用信用卡，形成正确的消费观念。


 

关于信用卡优缺点The Advantages and Disadvantages of Credit Card
 

 

Directions: For this part, you are allowed 30 minutes to write a short essay on the topic of Credit Cards. You should write at least 120 words following the outline given below in Chinese:

1. 越来越多的人使用信用卡， 信用卡有哪些好处
2. 信用卡的弊端
3. 你自己的观点

Credit Cards

信用卡
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, 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.

个人信用卡在中国变得越来越普遍。银行和其他金融机构都鼓励他们的客户改变买东西的方式。信用卡，称为“塑料钱”，正在提供非常良好的条件来鼓励改变。消费者将能够享受“先购买，后付款”，很多人认为这是一个优势。
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.

但人们要小心。信用卡伴随危险。有些人发现很容易超过自己的预算。他们试图购买他们并不真正需要的商品，并迅速由于债务负担过重。信用卡往往收取较高的利率，这加剧了这些问题。

However, used wisely 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.