英语作文信用卡Word文档格式.docx
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@#@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@#@CreditCards@#@PersonalcreditcardsarebecomingmorecommoninChina.Banksandotherfinancialinstitutionsareencouragingtheircustomerstochangethewaytheybuythings.Creditcards,otherwiseknownas“plasticmoney”,arebeingofferedonverygoodtermstoencouragethechange.Consumerswillbeableto“buynow,paylater”,andmanyseethisasanadvantage.@#@Butpeopleneedtobecareful.Therearedangersassociatedwithcreditcards.Somepeoplefinditveryeasytoexceedtheirbudget.Theyaretemptedtopurchasegoodsthattheydonotreallyneed,andcanbecomequicklyoverburdenedbydebt.Thecreditcardsoftenchargeahighrateofinterest,whichexacerbatestheproblemsforthesepeople.@#@However,usedwiselycreditcardscanimprovethequalityofpeople’slives.Theycangivepeopleaccesstomoneytomeetsuddenunplannedexpenses.Properlyhandled,theycanletpeoplecontroltheirexpenditureandthemonthlystatementsprovidearecordofwheretheirmoneyhasgone.@#@ @#@@#@2.Creditcardshavehadbadpressoverthepastfewmonthsofthecreditcrunchtheyonlycausemoredebtandhaveunfairratesofinterest..However,ifacreditcardisusedinthecorrectwayandyoukeepupwithyourpayments,theycanbeveryvaluableinmanyaspects.@#@Oneofthemostbeneficialaspectsofhavingacreditcardisthatitcanhelpyoutoincreaseyourcreditscore.Ifyouhavelittleborrowingexperience,takingoutacreditcardhelpstoconveytoothercreditorsthatyouarearesponsibleandreliableborrower.@#@Anotherbenefitofowningacreditcardisthatitcanbeeasiertobuythings.Somecompanies,suchasthoseinthetravelsectorlikehotels,airlinesandcarrentalcompaniespreferpaymentbycreditcard,andsomedonotacceptcashpaymentsatall.Aswellasthisconvenience,manycardcompaniesgiveinsuranceonlargepurchases.AnexampleofthisiswhenairlineXLwentbustinSeptember,@#@Amoreobviousbenefitofacreditcard,andoneofthemainreasonspeopleapplyforacreditcard,isthatyouhaveaccesstomoneyduringemergencies.Ifyouresistthetemptationofspendingthemoneyonyourcreditcard,youareleftwithagoodsumofmoneytousewhenyoumostneedit.Youonlypayinterestonpurchasesoroncashwithdrawals,sokeepingacreditcardathome(whereyouwon'@#@tbeabletospendonit)canbeveryvaluable.@#@@#@