Nowadays, credit cards have been increasingly popular on campus in that banks are growingly paying their attention to students and laying out various policies to cater for students’ need.

People hold different views towards students’ owning credit cards. As far as I am concerned, it should be cautious for students to keep credit cards.

如今，信用卡在大學(xué)校園中越來(lái)越流行了，因?yàn)殂y行越來(lái)越關(guān)注大學(xué)生這一群體并制定各種政策來(lái)滿足學(xué)生的需求。對(duì)于大學(xué)生持有信用卡人們看法不一。就個(gè)人而言，我覺(jué)得大學(xué)生應(yīng)該慎重考慮去辦理信用卡。

Students need to be calm and wise when applying for or using credit cards . There are latent risks associated with credit cards.

Some students find it quite 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.

And in the long run, this irresponsible and irrational consumption behavior will be impeditive for students to develop into a good consumption habit.

學(xué)生們?cè)谏暾?qǐng)或者使用信用卡的時(shí)候要冷靜理智。信用卡本身伴隨著風(fēng)險(xiǎn)。

有些學(xué)生發(fā)現(xiàn)很容易超過(guò)自己的預(yù)算。他們常常情不自禁地就購(gòu)買了他們并不真正需要的商品，并且很快變得負(fù)債累累。

信用卡往往收取較高的利率，無(wú)疑使得這一問(wèn)題雪上加霜。

并且從長(zhǎng)遠(yuǎn)來(lái)看，這一不負(fù)責(zé)任、不理智的消費(fèi)行為將有礙于學(xué)生養(yǎng)成一個(gè)良好的消費(fèi)習(xí)慣。

On the other hand, when in emergency circumstances, credit cards will play its role and save you bother relatives or friends.

Credit cards can temporarily relieve your financial burden.

Minimum repayment or amortization is preferred alternative when you are strapped for cash.

當(dāng)然，信用卡也有用武之地。遇到緊急情況時(shí)，信用卡可以給持卡人省去叨擾親戚或朋友的麻煩。

信用卡可暫時(shí)緩解你的經(jīng)濟(jì)壓力。

按最低還款額或者分期還款，是個(gè)不錯(cuò)的選擇，當(dāng)你手頭不太寬裕的時(shí)候。

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持續(xù)更新，敬請(qǐng)期待~

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