2018年6月英语四级作文热点话题预测：信用卡思维导图

信用卡是一种非现金交易付款的方式，是简单的信贷服务。消费时无须支付现金，在购物时刷卡不仅安全、方便，还有积分礼品赠送，这种消费方受到越来越多人的喜欢。任何东西都是一把双刃剑，虽说信用卡可以解决经济上的暂时危机，但一旦超过无息还款的时间，就会收取高额的利息。面对这种情况，我们该怎么办?如何理性消费?

Atpresent,awidevareityofcreditcardsissuedbymajorbanksandshoppingmallsarethrivingincollegesanduniversitiesacrossthenation,withamultitudeofcollegestudentsmakingupagrowingpopulationofcardholders.Indeed,oneoutoffivestudentsisestimatedtobeinpossessionofatleastonecreditcard,andthefigureisexpectedtobeonthesteadyincrese,thelatestdatapublishedbyYangtzeEveningPostsuggests。

Likeanythingpriortotheemergenceofthissmallpieceofplastic,theincreasingpopularityofcreditcardoncampushasbothbrightanddarksides.Ontheonehand,youngadultsincollege,freefromthetroubleofpocketingaconsiderablesumofcash,couldenjoytheconvenienceofcreditcardsandpurchaseexpensivegoodsbyinstallments.Ontheotherhand,however,theirresponsibleandexcessiveuseofthecardsbytheseyoungsters,themajorityofwhomarefreshoutofmiddleschoolincapableofbudgetingtheirmoney,canmakethemheavilyindebtwhichwilltakethemyearstopayoff。

Onmypersonallevel,whileenjoyingahostofconveniencesthecreditcardmaybring,wecouldn&39;taffordtoignoreaconspiciousfact:inmostcases,parentsareoursolefinancialsources.Insteadofspendingwithoutanyrestrict,wearesupposedtoputstudiesonthetopofouragendaandmoveourselvesbeyondheavydependenceuponourparents。

Inrecentyears,creditcardshavegainedmorepopularityamongcollegestudents.Withbanks’morefocusoncollegemarket,anincreasingnumberofcollegestudentshaveappliedforcreditcardsandbeguntoconsumebythem.

Thefollowingthreefactorscanaccountforthepopularityofcreditcardsoncampus.Firstly,acreditcardprovidesoverdrawingservice,whichisabigattractionforthosestudentswhohavenotmuchmoneyfortheirdomination.Secondly,acreditcardcanhelpreleasefinancialburdensonthosepoorstudents,andhencereducetheriskoftheirdroppingschoolforlackingmoney.Besides,manybanksmakesomepreferentialpoliciesoncreditcards,likesendingagift,loweringyearcost.Drawnbythesepolicies,manycollegestudentshaveappliedforcreditcards.

AsfarasIamconcerned,itisnotabadthingforcollegestudentstoowncreditcards.However,thereismisuseofcreditcardsamongcollegestudents.Manystudentsusecreditcardstobuyluxuriousthingstheydon’tneedreally,andevensomeofthemoweabigcreditcarddebt.Therefore,schoolsandbankshaveresponsibilitytoletcollegestudentslearnhowtousecreditcardsproperly.Onlyinthiswaycancollegestudentsenjoyreallytheadvantagesofcreditcards.

creditcard信用卡

popularity[ˌpɒpjʊˈlærɪtɪ]n.名声，受大众欢迎，流行

convenience[kənˈviːnɪəns]n.方便;便利的事物

college['kɔlidʒ]n.大学;学院;

dependence[dɪˈpɛndəns]n.依赖;瘾

domination[ˌdɒmɪˈneɪʃən]n.统治，支配

responsibility[rɪˌspɒnsəˈbɪlɪtɪ]n.责任;责任感;职责;