上半年大学英语四级作文必背：信用卡消费

上半年大学英语四级作文必背范文：信用卡消费

　　在学习、工作、生活中，大家总少不了接触作文吧，作文是经过人的思想考虑和语言组织，通过文字来表达一个主题意义的记叙方法。如何写一篇有思想、有文采的作文呢？下面是小编整理的上半年大学英语四级作文必背范文：信用卡消费，希望能够帮助到大家。

　　作文要求

　　1. 信用卡消费好处与坏处

　　2. 如何明智的使用信用卡消费

　　范文：

　　Credit card offers a convenient way to buy goods but every coin has two sides. From the cartoon above we see that credit card can lead to unmanageable debt and financial crisis if used unwisely.

　　So people should keep in mind the risk of using credit card and try to spend money wisely.First, before applying a credit card, people should make sure whether they can afford to pay back money spent on the card. Second, it is very important to work out what kind of card meets their needs. Third, people should try to pay their balance in full every month, or they will be charged interest and have negative effects on their credit scores.

　　Finally, since some cards have high interest rates and fees when failing to pay back, it is necessary to work out the cost before using the cards.

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