无论在学习、工作或是生活中，大家总少不了接触作文吧，作文是通过文字来表达一个主题意义的记叙方法。一篇什么样的作文才能称之为优秀作文呢？下面是小编收集整理的.四级作文：Credit Cards 信用卡，仅供参考，欢迎大家阅读。
Credit Cards
1.越来越多的人使用信用卡 2.信用卡的弊端 3.信用卡有哪些好处
可参考［对比选择型模板］
Credit Cards
Personal credit cards are becoming more common in China. Banksand other financial institutions are encouraging their customers to change theway they buy things. Credit cards, otherwise known as “plastic money”， arebeing offered on very good terms to encourage the change. Consumers will beable to “buy now, pay later”， and many see this as an advantage。(描述现象段)
But people need to be careful. There are dangersassociated with credit cards. Some people find it very easy to exceed theirbudget. They are tempted to purchase goods that they do not really need, andcan become quickly overburdened by debt. The credit cards often charge a highrate of interest, which exacerbates the problems for these people。(说明问题段)
However, wisely used credit cards can improve the qualityof people’s lives. They can give people access to money to meet suddenunplanned expenses. Properly handled, they can let people control theirexpenditure and the monthly statements provide a record of where their moneyhas gone。(总结观点段)
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