话题：

　　信用卡是一种非现金交易付款的方式，是简单的信贷服务。消费时无须支付现金， 在购物时刷卡不仅安全、方便，还有积分礼品赠送，这种消费方受到越来越多人的喜欢。任何东西都是一把双刃剑，虽说信用卡可以解决经济上的暂时危机，但一旦超过无息还款的时间，就会收取高额的利息。面对这种情况，我们该怎么办?如何理性消费?

　　参考例文一：

　　At present, a wide vareity of credit cards issued by major banks and shopping malls are thriving in colleges and universities across the nation, with a multitude of college students making up a growing population of card holders. Indeed, one out of five students is estimated to be in possession of at least one credit card, and the figure is expected to be on the steady increse, the latest data published by Yangtze Evening Post suggests。

　　Like anything prior to the emergence of this small piece of plastic, the increasing popularity of credit card on campus has both bright and dark sides. On the one hand, young adults in college, free from the trouble of pocketing a considerable sum of cash, could enjoy the convenience of credit cards and purchase expensive goods by installments. On the other hand, however, the irresponsible and excessive use of the cards by these youngsters, the majority of whom are fresh out of middle school incapable of budgeting their money, can make them heavily in debt which will take them years to pay off。

　　On my personal level, while enjoying a host of conveniences the credit card may bring, we couldn&39;t afford to ignore a conspicious fact: in most cases, parents are our sole financial sources.Instead of spending without any restrict, we are supposed to put studies on the top of our agenda and move ourselves beyond heavy dependence upon our parents。

　　参考例文二：

　　In recent years, credit cards have gained more popularity among college students. With banks’ more focus on college market, an increasing number of college students have applied for credit cards and begun to consume by them.

　　The following three factors can account for the popularity of credit cards on campus. Firstly, a credit card provides overdrawing service, which is a big attraction for those students who have not much money for their domination. Secondly, a credit card can help release financial burdens on those poor students, and hence reduce the risk of their dropping school for lacking money. Besides, many banks make some preferential policies on credit cards, like sending a gift, lowering year cost. Drawn by these policies, many college students have applied for credit cards.

　　As far as I am concerned, it is not a bad thing for college students to own credit cards. However, there is misuse of credit cards among college students. Many students use credit cards to buy luxurious things they don’t need really, and even some of them owe a big credit card debt. Therefore, schools and banks have responsibility to let college students learn how to use credit cards properly. Only in this way can college students enjoy really the advantages of credit cards.

　　词汇：

　　credit card 信用卡

　　popularity [ˌpɒpjʊˈlærɪtɪ] n. 名声，受大众欢迎，流行

　　convenience [kənˈviːnɪəns] n. 方便;便利的事物

　　college ['kɔlidʒ] n. 大学;学院;

　　dependence [dɪˈpɛndəns] n. 依赖;瘾

　　domination [ˌdɒmɪˈneɪʃən] n. 统治，支配

　　responsibility [rɪˌspɒnsəˈbɪlɪtɪ] n. 责任;责任感;职责;