credit（1）

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

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, otherwise 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.

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.

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.

credit（2）

Nowadays, with the development of Internet, more and more business are done through the Internet. The most important factor that decides a person's success is the credit. There is a famous example explains how credit influences one's life. A man took a train in Europe, as there was no one to supervise him, so he thought he could not buy the ticket and ran to the train directly. Later, when the man wanted to interview a job, the employers refused him because they told the man that his credit did not reach their standard. The man realized that he had lost his credit for not buying the ticket for one time, which taught him a lesson to keep his credit. The credit helps us to make friends and cooperate with others well. Don't lose your credit, or you will lose many chances.
如今，随着互联网的发展，越来越多的业务可以通过互联网来完成。决定一个人是否能成功的最重要因素是信用。有一个很出名的例子解释了信用是如何影响人的一生。一名男子在欧洲坐火车，因为没有人监督，所以他觉得可以不买票，直接朝火车跑去。之后，当这个男子在面试一份工作时，雇主拒绝了他，并告诉这名男子原因是他的信用没有达到他们的标准。男子意识到由于他之前那次没买票他已经失去了信用，这给了他一个教训，要守信用。信用帮助我们交朋友、与其他人顺利合作。不要失去你的信用，否则你会失去很多机会。

credit（3）

Now more and more people use credit card, credit card has become our the indispensable part in life. On the one hand, credit card can make our life more convenient, for instance in times of emergency providing for convenience. On the other hand, it can make us consume advancely , higher quality of life.Especially for our college students, it is more popular.

However the credit card also has its disadvantage side, for example, many people use overruns but couldn't return. In addition, it also easily to encourage useless consumption.

Personally, I think we need use credit card rationally. Don't use it as far as possible overdraws massively. What's more , wo must return back it , in order to avoid has the disadvantageous influence for us. Only the rational use, the credit card can the key time displays its key the function .

现在越来越多的人使用信用卡，信用卡成了我们生活中不可缺少的一部分。一方面，信用卡使我们的生活更加方便，比如在紧急时刻提供供方便。另一方面，它能使我们提前消费，更高质量的生活，尤其对我们大学生而言，它更为流行。但信用卡也有其不利的一面，比如，很多人使用的超支了却还不起。除此之外，它也容易鼓励一些无用的消费。

我个人认为，我们需要理性的使用信用卡。尽量不去大量透支的使用，要进行合理的消费，而且要及时的还清，以免给我们的信誉造成不利的影响。只有理性的使用，信用卡才能关键的时刻发挥它关键的作用。

credit（4）

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。