历年大学英语四级作文真题范文：高考

　　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.

　　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.

　　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.