英语作文信用卡.docx
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英语作文信用卡.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.
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