求一篇原创的(大学生用信用卡)的英语作文

字数200上下要求1近年来越来越多的大学生开始使用信用卡2分析产生该现象的原因3针对大学生使用信用卡提出你的建议4分析大学生使用信用卡的利弊注,只要原创的文章,转帖的一律... 字数200上下要求1近年来越来越多的大学生开始使用信用卡2分析产生该现象的原因3针对大学生使用信用卡提出你的建议4分析大学生使用信用卡的利弊 注,只要原创的文章,转帖的一律不给分 展开
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  Credit Cards
  Personal credit cards are becoming more common in China. Banks and other financial institutions are encouraging their customers to change the way they buy things. Credit cards, otherwise known as “plastic money”, are being offered on very good terms to encourage the change. Consumers will be able to “buy now, pay later”, and many see this as an advantage.
  But people need to be careful. There are dangers associated with credit cards. Some people find it very easy to exceed their budget. They are tempted to purchase goods that they do not really need, and can become quickly overburdened by debt. The credit cards often charge a high rate of interest, which exacerbates the problems for these people.
  However, used wisely credit cards can improve the quality of people’s lives. They can give people access to money to meet sudden unplanned expenses. Properly handled, they can let people control their expenditure and the monthly statements provide a record of where their money has gone.
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