The Use of Credit Card 信用卡的使用（参考）

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Nowadays, with the development of Internet, it is much easier to make the deal. People don’t have to carry the paper money, instead, they can use the cards, and then click on the computer, the deal is finished. Credit card is very popular, many people choose to use it. But we need to take care.

如今，随着网络的发展，交易变得容易多了。人们不需要带着现金，他们可以使用卡，然后在电脑上面点击一下，交易就完成了。信用卡是很受欢迎的，很多人选择使用。但是我们需要当心。

On the one hand, credit card gives people a large amount of money to spend ahead. When people have a lot of money at hand, they will have the strong desire to spend and buy what they want. Some peoplecan’t control themselves. Credit card brings people the sense of satisfaction.

一方面，信用卡给人们提供了很大一笔提前预支的钱。当人们有了大笔钱在手，他们会有很强烈的愿望去消费，买自己想买的。一些人无法控制自己。信用卡给人们带来了满足感。

On the other hand, credit card makes people burden a lot of money. When people spend the money ahead, it means that they need to return it. Some people become the slave of credit card, they need to pay off part of the money every month. They don’t earn much, but they need to take out some part of the salary to pay off the debt.

另一方面，信用卡使得人们背负着很大的债。当人们提前花钱，意味着他们需要还。一些人成为卡奴，需要每个月偿还部分钱。他们本来就没有多少收入，但是还要拿出一部分薪水去还债。

Every coin has two sides. Credit card brings people pleasure, at the same time, if people use it in the improper way, they can be the slave.

凡事都有两面。信用卡给人们带来了快乐，同时，如果人们不正确使用信用卡，就会成为奴隶。

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学生使用信用卡 Credit Cards on Campus

Nowadays, credit cards have beenincreasingly popular on campus in that banks are growingly paying theirattention to students and laying out various policies to cater for students’need. People hold different views towards students’ owning credit cards. As faras I am concerned, it is necessary for students to keep credit cards.

如今，信用卡在校园中已经越来越流行了，因为银行越来越关注学生并制定各种政策来满足学生的需求。对于学生拥有信用卡人们有不同的看法。我觉得是有必要的。

There are reasons accounting for my view.For one thing, it is convenient for students to deal with various financialmatters. Students can use their credit cards to pay their tuition fees andother fares and that is safer than pocket a large sum of money go everywhere.For another, using credit cards is a good way to teach students to improvetheir ability in managing their money and form good habit in spending money.For instance, students who receive their pocket money at the beginning of themonth have to make a plan to spend their money before they consume with thecredit cards, so that they will not suffer from lacking of money at the end ofthe month. In addition, the overdrawing function of the credit cards provides achance for those students who cannot afford their tuition fees to continue toreceive their education.

我认为以下原因能支持我的观点。一方面，它便于学生处理各种财务问题。学生可以使用他们的信用卡来支付他们的学费和其他费用，这比装着一口袋的钱到处走要安全得多。另一方面，使用信用卡可以提高学生管理金钱的能力，并养成良好的花钱习惯。例如，在月初时学生得到的零花钱必须要在使用信用卡的之前制定计划，这样他们就不会在月底资金短缺。此外，信用卡的透支功能为那些无法交付学费的学生提供继续接受教育的机会。

Although some students overdrawtheir money from their credit cards to buy luxurious and unnecessary thingsthat will increase their family financial burden, I consider that theadvantages far outweigh its disadvantages.

虽然一些学生透支信用卡来购买会增加家庭经济负担的奢侈品和不必要的东西，但是我认为它的优点远远大于它的缺点。

Thus, I consider that it is necessary forstudents to use credit cards. Besides, they also should be taught to use itproperly and form a correct notion of consume.

因此，我认为学生使用信用卡是有必要的。此外，他们还应该得到教导如何正确使用信用卡，形成正确的消费观念。

大学生英语作文:关于信用卡优缺点The Advantages and Disadvantages of Credit Card

Directions: For this part, you are allowed 30 minutes to write a short essay on the topic of Credit Cards. You should write at least 120 words following the outline given below in Chinese:

1. 越来越多的人使用信用卡， 信用卡有哪些好处

2. 信用卡的弊端

3. 你自己的观点

Credit Cards

信用卡

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, 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.

个人信用卡在中国变得越来越普遍。银行和其他金融机构都鼓励他们的客户改变买东西的方式。信用卡，称为“塑料钱”，正在提供非常良好的条件来鼓励改变。消费者将能够享受“先购买，后付款”，很多人认为这是一个优势。

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.

但人们要小心。信用卡伴随危险。有些人发现很容易超过自己的预算。他们试图购买他们并不真正需要的商品，并迅速由于债务负担过重。信用卡往往收取较高的利率，这加剧了这些问题。

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.

但是，理性的使用信用卡可以提高人们的生活质量。他们可以得到钱来付突然的，意料之外的费用。处理得当，它们可以让人们控制他们每月的支出和记录下他们的每个月所花的钱的报表。

点评：这是一篇议论文， 关于信用卡的利弊。可以分成三部分： 第一部分，信用卡的好处，比如说应急等；第二部分，信用卡的一些弊端，比如说鼓励一些无用的消费；第三部分：你自己的观点，理性使用。

英语范文:Global Use of Chinese 汉语的广泛使用【精】

Walking on the street, we may meet a foreigner talking with friends in fluent Chinese. We are surprise to find that there are so many foreign people speak our country’s language, Chinese is gaining popularity around the world, more and more people speak Chinese. Some argue that this is good for the development of Chinese, while other don’t, I agree with the former.

走在街上，我们总会遇到用流利的汉语与朋友交谈的外国人。我们惊异地发现很多外国人讲我们国家的语言，汉语在世界上越来越流行，越来越多的人讲汉语。一些人认为这对汉语的发展有利，一些人不这样认为，我同意前者。

One the one hand, the development of Chinese means our country is becoming stronger. It is the same with English, the reason that we learn English is that we need to keep pace with the world, because the developed countries mainly speak English. The importance of Chinese is on the rise, which means our country is becoming stronger.

一方面，汉语的发展意味着我们国家变得强大。这和英语一样，我们学习英语的原因是我们需要与时俱进，因为发达国家大部分讲英语。汉语的重要性与日俱增，意味着我们国家的强大。

On the other hand, with the Chinese speaking population becoming larger and larger, Chinese is endowed with greater vitality, which is very important for the development of a language. Language is changing all the time, so the language should keep pace with the time, now Chinese has been developed all over the world, it is good for the survival of the Chinese.

另一方面，说汉语人口的增多给汉语带来了活力，这对于一门语言的发展是很重要的。语言随着时间而改变，因此语言应该要与时俱进，现在汉语在全世界都发展，这是有利于汉语的保存。

In a word, the development of Chinese is a good phenomenon, it is a symbol of our country’s strong.

总之，中国的发展是件好事，这标志着我们国家的强大。

英语范文:My View on Credit Card Consumption【推荐】

Nowadays, credit card consumption has been a commonphenomenon in our lives. However, different people hold different views in itand heated debates are right on their way.

Some are in favor of the credit card consumption. Theypoint out the fact that credit card provides a convenient and safe way for ourconsumptions. They consider that using credit card to pay is more convenientand clean than pay by cash, which is as easy to lose and unclean. In addition,they argue that credit card can help a lot when we are meeting seriousfinancial trouble. For example, when we get involved in trouble and need lotsof money to solve it, the overdraw function of credit card would be a goodhelper.

However, there are many people standing on the otherground. They figure out that credit card consumption has brought some seriousproblems in many aspects. Many people spend their money recklessly by usingcredit card. And what’s worse, those who can not control the desire to consumeand never make a plan to spend their money will overdraw the money immoderatelyand that will cause more and more family involve in financial crisis.

In my opinion, the both sides have some importantpoints. Therefore, as rational consumers, we should use credit card properly.On the one hand, we can utilize its advantages for the convenience of ourpayment. On the other hand, we should keep a rational mind when using it, incase we will suffer from it.

作文推荐 学习使用电脑Student Use of Computers（必备）

Directions: For this part, you are allowed 30 minutes to write a composition on the topic Student Use of Computers. You should write at least 120 words and base your composition on the chart and the outline given below:上图所示为1990年，1995年，2000年某校大学生使用计算机的情况，请描述其变化。1．请说明发生这些过程的原因(可从计算机的用途，价格或社会发展等方面加以说明)；2．你认为目前大学生在计算机使用中有什么困难或问题?Student Use of Computers

This chart shows the increase of student use of computers from the year 1990 to 2000. As we can see, in 1990 the average number of hours a student spends on the computer per week is 2. In 1995, however, the number doubles and in 2000, it soars to 20 hours per week.

There are many causes for this change. For one thing, computers can do a lor of things that may be difficult for man to do, making man's work easier. So, many people turn to computers for help when they want to have their job done. For another, computers are becoming cheaper day by day. As a result, many universities install them in large numbers and many families can afford to buy one, consequently, they are always available for the students to use. But the prime reason, I think, is that with the development of society, computers are used in ahnost all walks of life. Those who are specialized in operating computers are badly needed. If a student is good at computer, chances will be greater for him to get a job.

Many problems also arise in students use of computers. One problem is that some students spend too much time sitting in front of their computers, as a result, their bealth is affected. The other problem is that some students chat or play video games for a long time on computers, wasting a lot of their precious time. So it is suggested that these students make a scientific and positive use of the computers.

优秀英语作文 Using the Internet With Civilization 文明使用网络（参考）

Last night, I saw a movie about a girl who behaved not well in the bus, someone took the video of what she did and pubished it on the Internet. The next day, the girl was condemned by the world, she finally suicided. The movie represents the violence of the Internet, it arises people’s thinking on the civilization of the Internet.

昨晚，我看了一部电影，这是关于一个女孩在公车上行为不雅，有人把她所做的拍下来并公布在网络上。第二天，女孩受到了全世界的谴责，最后她自杀了。电影体现了网络暴力，这引起了人们关于文明网络的思考。

As the development of the Internet, nowadays, people can share the information in a quick way. People have the access to the instance news and can give their opinions on the Internet. But we see from these years that as there is no rule to supervise the Internet, some people use this stage to attack others. The most famous example is that a famous Korean female star killed herself because of the rumor from the network. Though network allows us express our opinion, we should not attack others.

随着网络的发展，现在人们可以快速分享信息。人们可以接触到及时即时新闻，在网络上发表他们的看法。但是从这些年来看，没有条例监督网络，一些人使用这个平台去攻击其他人。最出名例子就是一个出名的韩国女明星由于网络的谣言而自杀了。即使网络让我们表达自己的看法，但是我们不应该攻击人。

The violence of network is much harmful to the body violence. Wrong rumors can destroy a person’s mind, the one who spread the rumor should be condemned, he is just like a killer who is out of responsibility. In order to civilize people’s behavior on the Internet, a law should be made to supervise the manipulation.

网络暴力比肢体暴力更加伤害人。错误的谣言能够摧毁一个人的心智，那些散步谣言的人应该受到谴责，他就好比一个不用负责任的杀手。为了使人们文明上网，应该制定法律来监督网络的操作。

大学生作文分享 About Credit 关于诚信（参考）

Today, with the development of Internet, many traditional ways of life have been changed, especially the way to pay for purchase. The record of credit occupies important role for everybody, and they need good credit to get loan, so as to start their business or buy a house. We have come to the age of credit.

今天，随着互联网的发展，许多传统的生活方式发生了改变，特别是购买方式。信用记录对每个人都有着非常重要的作用，他们需要良好的信贷来获得贷款，从而开始他们的生意或者买房子。我们已经到了信用时代。

There is a very classic example about the importance of credit. A Chinese man took the train in Europe. He found no one checked the ticket, so he just skipped the ticket. He thought he had saved the little money, but when he came to the bank and wanted to get the loan, he got rejected, because his record of credit showed he had skipped the ticket, which made him the unreliable man.

关于信用的重要性有一个很经典的例子。一名中国男子在欧洲乘坐火车时，发现没有人检查车票，所以他就逃票。他以为自己攒下了那一笔钱，但当他来到银行想要贷款时，却被拒绝了，因为他的信用记录显示他曾经逃票，这使他成了一个信用不好的人。

The record of credit is the main basis when people asked for loan. The banks consider the account of money they would borrow according to the credit, or the departments will check a person’s credit to see if they want to hire him. The age of credit asks for us to behave ourselves well, or we will live the tough life.

信用记录是人们申请贷款的主要依据。银行会根据他们的信用进行借款，或者有关部门会通过他们是否愿意雇用他来查看一个人的信用。信用时代要求我们表现良好，否则我们会过着艰苦的生活。

如何利用参考书籍？How to Make Full Use of Reference Books？(收藏)

Nowadays,a flood of reference books has become a great concern among students andteachers. There are all kinds of reference books in market, making students andteachers difficult to choose. Besides, reference books also bring bad influenceto students and teachers.

目前，大量的参考书在教师和学生中对已经形成了担忧。市场上有各种各样的参考书，让学生和教师都很难选择。除此之外，参考书也给教师和学生带来不良的影响。

Forone thing, with the help of reference books, students are inclined to thinkabout the questions less. Owing to the elaborate explanations given byreference books, many students will adopt the answers in reference booksdirectly without thinking independently. And in a long term, students will relyon the reference books too much and lower their thinking ability. For another,reference books limit teachers’ thinking model to some extent because someteachers rely on reference books too much. Depending on reference books is not goodfor teachers’ breaking through the traditional teaching model and thinkingmodel.

首先，在参考书的帮助下，学生倾向于不怎么思考问题。由于参考书给出了详尽的解释，许多学生都会直接采用参考书中的答案而没有独立思考。长期下去，学生会过于依赖参考书，降低他们的思维能力。另一方面，由于一些教师过于依靠参考书，在某种程度上参考书也限制了他们的思维模式。依靠参考书并不利于教师突破传统的教学模式和思维模式。

Therefore,we should make use of reference books properly. First, think about the questionbefore you use reference books. Thenfind out the difference between your answer and the answer given by referencebooks. Third, learn something new from reference books and mend your way ofthinking. In addition, do not rely on reference books too much so that you canthink freely.

因此，我们应该正确使用参考书。首先，在使用参考书之前先思考问题。然后找出你的答案和参考书中给出的答案之间的差异。第三，从参考书中学习新的知识，改进思维方式。此外，不要过多地依赖参考书，这样你才可以自由思考。