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  3. Having a credit card has become a fashion on campus, so there’s an ongoing debate on whether using a credit card improves the st

Having a credit card has become a fashion on campus, so there’s an ongoing debate on whether using a credit card improves the st

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问题     Having a credit card has become a fashion on campus, so there’s an ongoing debate on whether using a credit card improves the students’ financial ability or just lures them to form a bad consuming habit. What is your opinion on credit card?
    Write a composition of about 200 words on the following topic:
    Credit Card on Campus
选项
答案 Credit Card on Campus Nowadays, more and more college students are inclined to use credit cards in their daily life. Buying clothes in shopping malls, subscribing books on the Internet, eating in a restaurant—all these activities can be connected with the use of credit card. But I think the use of credit card should be restricted. The reasons are as follows: First of all, it may lead to our financial crisis. When we get a card, we can spend our savings in the blink of an eye. We are often not aware of how much we have spent, not to mention the establishment of financial ability. We may find all our money has gone when we really need it. Second, it may lead to our credit crisis. When the money is overdrawn, if we do not pay it back in time, the bank will record this improper behavior, and the file will last for 10 years. We cannot loan money during this period even when we are in dare need of money. Last but not least, it may put our privacy in danger. When the magnetic card does not work, we must expose our personal information to others. This may lead to the misuse of the account or other crimes carried out in the name of us. To sum up, there are advantages and disadvantages of using credit card on campus. But taking the balance of payments, credit and safety into consideration, I personally suggest that the use of credit card on campus should be restricted.
解析     本题是一个观点陈述型题目。大学生使用信用卡已经成为一种校园时尚。有人认为信用卡可以提高学生的理财能力，也有人认为它会使学生养成不良的消费习惯。信用卡作为一种现代消费手段必然有其优缺点，因此针对这个论题考生应当有自己的观点或倾向，并提供充足论据支持论点。
    思路1：大学生使用信用卡利大于弊。
    信用卡为大学生消费提供了便捷的支付方式，并且拓宽了市场消费渠道。对大学生来说，信用卡在方便他们消费的同时，也可以帮助他们提高理财能力。对社会来说，大学生使用信用卡可以刺激市场消费，发展银行相关业务等。因此，大学生使用信用卡利大于弊。
    思路2：大学生使用信用卡弊大于利。
    大学生使用信用卡时比较盲目，很少会注意消费金额，容易导致个人财务危机；有些大学生过度使用信用卡会造成透支而无法还款，可能会影响个人信誉；有些技术方面的缺陷会泄露个人信息，严重的还会威胁人身安全。因此，大学生使用信用卡应当控制在合理、安全的范围内，否则弊大于利。
    范文的观点是大学生使用信用卡有利有弊，然后着重分析其不利影响，提醒大学生注意个人财产、隐私安全，有节制地使用信用卡。
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