上半年大學英語四級作文必背范文：信用卡消費
在學習、工作、生活中，大家總少不了接觸作文吧，作文是經過人的思想考慮和語言組織，通過文字來表達一個主題意義的記敘方法。如何寫一篇有思想、有文采的作文呢？下面是小編整理的上半年大學英語四級作文必背范文：信用卡消費，希望能夠幫助到大家。
作文要求
1. 信用卡消費好處與壞處
2. 如何明智的使用信用卡消費
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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