求一篇大学生使用信用卡利弊的英语作文
思路：
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。
范文如下：
CreditCards
PersonalcreditcardsarebecomingmorecommoninChina.Banksandotherfinancialinstitutionsareencouragingtheircustomerstochangethewaytheybuythings.
Creditcards,otherwiseknownas“plasticmoney”,arebeingofferedonverygoodtermstoencouragethechange.Consumerswillbeableto“buynow,paylater”,andmanyseethisasanadvantage.
Butpeopleneedtobecareful.Therearedangersassociatedwithcreditcards.Somepeoplefinditveryeasytoexceedtheirbudget.Theyaretemptedtopurchasegoodsthattheydonotreallyneed,andcanbecomequicklyoverburdenedbydebt.
Thecreditcardsoftenchargeahighrateofinterest,whichexacerbatestheproblemsforthesepeople.
However,usedwiselycreditcardscanimprovethequalityofpeople’slives.Theycangivepeopleaccesstomoneytomeetsuddenunplannedexpenses.
Properlyhandled,theycanletpeoplecontroltheirexpenditureandthemonthlystatementsprovidearecordofwheretheirmoneyhasgone.
译文：
信用卡
个人信用卡在中国越来越普遍。银行和其他金融机构正在鼓励客户改变购买方式。信用卡，又称“塑料货币”，正以非常优惠的条件提供，以鼓励这种改变。消费者将能够“现在购买，稍后付款”，许多人认为这是一种优势。
但人们需要小心。信用卡有危险。有些人发现很容易超出预算。他们被诱惑去购买他们并不真正需要的商品，而且很快就会因债务而负担过重。信用卡通常收取很高的利息，这加剧了这些人的问题。
然而，明智地使用信用卡可以改善人们的生活质量。他们可以让人们获得钱来应付突然发生的意外开支。如果处理得当，他们可以让人们控制自己的支出，每月的报表会记录下他们的钱去了哪里。
扩展资料：
英文作文写作技巧：
1、认真审题立意
文章要有明确的主题，必须具备4个条件：准确、鲜明、深刻、集中。以作文“TheEnglishteacherIAdmireMost”为例,文章的主题是关于记叙我最欣赏的一位英语老师,因而就不能泛泛谈论老师这一职业或自己的几位老师。
2、草拟提纲
文章布局要做好3件事：安排好层次段落，铺设好过渡，处理好开头和结尾。如命题作文中有提示句，还要从提示句的关键词出发，围绕关键词开拓思路，发挥联想，记录下联想到的东西，可以是句子或单词词组，可以是英语或汉语。
3、写出落主题句，理文章之脉络
一篇短文的段落一般分为引导段、主题段和结尾段。每段的主题句非常重要，是作者思维的起点，切题的准绳，阐述的对象。看到段落主题句，读者大致了解段落要阐述的内容。段落主题句通常是一个语法结构完整、内容概括、用词简洁明了的单句。
通常将段落主题句置于段落的开头，可使文章结构更清晰，有说服力。
4、参照提纲，紧扣主题句，完成各段落
有了段落主题句后，还需要顺着段落主题句的方向，参照提纲中的思路，从而完成各个段落。引导段要能引起读者的注意和兴趣，为主题段铺路架桥。
主题段应围绕文章和该段的主题来展开。展开的方式包括：顺序法、举例法、比较法、对比法、说明法、因果法、推导法、归纳法，和下定义等。可以根据需要任选一种或几种方式。
求一篇有关信用卡的英语作文，急！
CreditCards
PersonalcreditcardsarebecomingmorecommoninChina.Banksandotherfinancialinstitutionsareencouragingtheircustomerstochangethewaytheybuythings.
Butpeopleneedtobecareful.Therearedangersassociatedwithcreditcards.Somepeoplefinditveryeasytoexceedtheirbudget.Theyaretemptedtopurchasegoodsthattheydonotreallyneed,andcanbecomequicklyoverburdenedbydebt.Thecreditcardsoftenchargeahighrateofinterest,whichexacerbatestheproblemsforthesepeople.
However,usedwiselycreditcardscanimprovethequalityofpeople’slives.Theycangivepeopleaccesstomoneytomeetsuddenunplannedexpenses.Properlyhandled,theycanletpeoplecontroltheirexpenditureandthemonthlystatementsprovidearecordofwheretheirmoneyhasgone.
关于信用卡的英语作文
Asmentionedinanearlyarticle,therearetwotypesofcreditcards:securedandunsecured.Thisarticlewillexploresomeoftheissuesofsecuredcreditcards.
Whatisasecuredcreditcard?
Asecuredcardisacreditcardthatrequiresyoutodepositacertainamountofmoneyintoasavingsaccount,moneymarketaccount,orcertificateofdeposit.Theminimumamountusuallyrangesbetween$200and$500butthiswillvaryfromonecompanytoanother.Yourdepositisconsideredyoursecurityandsomecardissuerswillevenallowthedeposittoearninterest.
Theamountthatyoudepositintotheaccountisyourcreditlimit.Youshouldunderstandthatsometimesthelimitwillbeforthefullamountthatyouputintotheaccountbutwithsomecompaniesyourlimitmaybeapercentageofthetotalamountthatyoudeposited.
Asecuredcreditcardisnotadebitcard.Thisisimportanttounderstandbecauseiffullpaymentsarenotmadeeachmonth,interestwillbechargedontheoutstandingbalance.
Whoshouldconsiderusingsecuredcreditcards?
Ifyouhavenocredithistoryatall,usingasecuredcreditcardcanbeagoodwaytobeginestablishingyourcredit.Manyyoungpeoplewhoarejuststartingoutmaychoosethisasanoption.
Ifyouhavebadcredit,youmaywishtouseasecuredcreditcardtohelpyouimproveyourcreditscore.Inaddition,asecuredcreditcardmaybetheonlysourceyouwillhaveforobtainingacreditcard.Therearesometransactionsthatrequiretheuseofacreditcard.Thismightincludecarrentalsorhotelreservations.Ifyouneedtomakethosetypesoftransactionsandcannotgetanunsecuredcreditcard,thismightbetheonlywayyoucangetatruecreditcard.
Whattolookforinasecuredcreditcard:
InterestRate:Donotbefooledintothinkingthatbecauseyouhavenocredithistoryorabadcreditreportthatyouhavetosettleforexorbitantinterestrates.Makeitapointtoshoparoundforthelowestratesthatyouqualifyforbeforeyouapplyforasecuredcreditcard.
Fees:Paycloseattentiontoanyfeesthatwillbechargedtoyouortoyouraccountonceitisopened.Therearesomecompaniesthatwillchargeridiculouslyhighfeesthatwillreduceyourinitialdepositbeforeyouevenusethecard.Stayawayfromthosecompanies.Lookforcompaniesthathavenofeeswhatsoeverorforthosecompaniesthatchargea++allone-timefeetosetuptheaccount.Annualfeesforattractivesecuredcardstypicallyrangefrom$20-$35.
Scams:Itissadtosaythattherearecompaniesouttherewhoareinthebusinessofrippingpeopleoff.Theypreyonthevulnerabilityofthosewhomaybeinacreditcrunch.Someofthethingstheydoincludepromisesofgettingyou"quickcredit"foraprice.Anotherpopularscamistoaskyoutocalla900phonenumberfor"secrets"togettingacreditcardorcreditrepair.Yourphonecompanywillchargeyouahighrateforusinga900numberandyounevergettheinformationthatwasoffered.
Thebestadvicetoavoidsecuredcreditcardscamsisthatifitsoundstoogoodtobetrueitis.Useyourcommonsenseanddonotbetakenbythesecrooks.
CreditImprovementIssues:Evenwithaverygoodpaymenthistoryonyoursecuredcarditcantakesmanymonthsbeforeyoubegintoseeimprovementinyourcreditrecord.Youhavetobepatientwhenrepairingbadcredit.Youalsohavetobe++art.Makesurethatthecompanythatissuesthesecuredcreditcardtoyouwillreportyourgoodpaymenthistorytothethreebigcreditreportingagencies.Notallcompaniesreportandiftheydonotreportyouaresimplywastingyourtime.
Keepinmindthattheywillalsoreportyourbadpaymenthistoryifyoudonotpayontime.Becarefulandmakeyourpaymentsontimeeachandeverymonth.
学生使用信用卡的英语作文带中文翻译
学生使用信用卡CreditCardsonCampus
Nowadays,creditcardshavebeenincreasinglypopularoncampusinthatbanksaregrowinglypayingtheirattentiontostudentsandlayingoutvariouspoliciestocaterforstudentsneed.Peopleholddifferentviewstowardsstudentsowningcreditcards.AsfarasIamconcerned,itisnecessaryforstudentstokeepcreditcards.
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。
Therearereasonsaccountingformyview.Foronething,itisconvenientforstudentstodealwithvariousfinancialmatters.Studentscanusetheircreditcardstopaytheirtuitionfeesandotherfaresandthatissaferthanpocketalargesumofmoneygoeverywhere.Foranother,usingcreditcardsisagoodwaytoteachstudentstoimprovetheirabilityinmanagingtheirmoneyandformgoodhabitinspendingmoney.Forinstance,studentswhoreceivetheirpocketmoneyatthebeginningofthemonthhavetomakeaplantospendtheirmoneybeforetheyconsumewiththecreditcards,sothattheywillnotsufferfromlackingofmoneyattheendofthemonth.Inaddition,theoverdrawingfunctionofthecreditcardsprovidesachanceforthosestudentswhocannotaffordtheirtuitionfeestocontinuetoreceivetheireducation.
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++++。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。
Althoughsomestudentsoverdrawtheirmoneyfromtheircreditcardstobuyluxuriousandunnecessarythingsthatwillincreasetheirfamilyfinancialburden,Iconsiderthattheadvantagesfaroutweighitsdisadvantages.
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,Iconsiderthatitisnecessaryforstudentstousecreditcards.Besides,theyalsoshouldbetaughttouseitproperlyandformacorrectnotionofconsume.
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。
信用卡英语作文的介绍就聊到这里吧。