小编前言：还有一个月就是2012年6月四六级考试了，相信大家都已经在认真复习中了。小编特汇总几篇四六级作文预测，希望能为大家的复习做些参考，学习一些实用表达和写作方法。

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

【对比选择型模板】

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.（描述现象段）

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.（说明问题段）

However, wisely used 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.（总结观点段）

点评：这是一篇议论文，关于信用卡的利弊。可以分成三部分：第一部分，信用卡的好处，比如说应急等；第二部分，信用卡的一些弊端，比如说鼓励一些无用的消费；第三部分：你自己的观点，理性使用。