2021年12月英语四级作文预测：信用卡消费

　　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.