2. 外语
  3. Read the following text and write an essay to 1) summarize the main points of the text, 2) make clear your own viewpoint

Read the following text and write an essay to 1) summarize the main points of the text, 2) make clear your own viewpoint

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问题 Read the following text and write an essay to
    1) summarize the main points of the text,
    2) make clear your own viewpoint, and
    3) justify your stand.
    In your essay, make full use of the information provided in the text. If you use more than three consecutive words from the text, use quotation marks( "" ).
    You should write 160 -200 words on the ANSWER SHEET.
    However you view credit cards, it’s hard to live in the modern world without one. And if you have one, you owe it to yourself to use it properly.
    Although credit cards are becoming a more acceptable part of the financial scene, they are still regarded with suspicion by many as being a major part of the "live now pay later" syndrome.   Along with hire purchase, rental and leasing schemes, they provide encouragement to spend more money. They can allow you to pile up debts that you have difficulty paying off, they can also let you spend next month’s salary today.
    Advertising campaigns have, however, promoted a growing realization of the advantages of these small pieces of plastic. They obviate the need to carry large amounts of cash and are always useful in emergencies.   All the credit card organizations charge interest on a monthly basis which may work out  as high as 25 percent a year, yet judicious purchasing using a card can mean that you obtain up to seven weeks interest free credit.
    It is worthwhile shopping around before deciding on a particular credit card. It is necessary to consider the amount of credit granted; interest rates, which may vary slightly; the number and range of outlets, though most cards cover major garages, hotels, restaurants and departments stores, and of course, what happens if your card is lost or stolen.
    Using a credit card wisely takes discipline and a little self-control. Once you realize your debt is someone else’s profit margin, your approach to your plastic will change. With a bit of discipline and some practical knowledge, you can make your cards work for you, rather than the other way round. As a matter of fact, a credit card can cost nothing or at least help to tide you over a period of financial difficulty.
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答案 Credit cards represent a modem living style. It allows us to overdraw our salary in advance, which is much convenient when we are in emergency or temporarily poor financial situation. But it may also lure us to spend more money without our realization. Thus, it is very important for us to use credit cards in a proper way. As far as I am concerned, we should develop a good habit of using credit card. First of all, it is advisable to make clear the rules of using the particular credit card issued by the certain company. Secondly, we can make full use of the preferential policies of credit card companies. Some of them may give bonus points every time we use their credit card to pay, and when the points are accumulated to some extent, we can exchange them for some presents. Last but not least, we’d better control our impulse of buying things. This may need some self-discipline. All in all, credit cards can help us go through financial difficulty and even bring us some benefits. The condition is that we should learn to use them in a wise and proper way.
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