大學生信用卡作文

⑴ 求一篇大學生使用信用卡利弊的英語作文

Nowadays, credit card usage has become a prevalent habit in modern society. Undoubtedly, credit cards bring numerous benefits to consumers. However, some indivials argue that credit cards are not as secure as they are often portrayed and come with their own set of drawbacks. Let's examine the pros and cons of using credit cards.
Advantages of Credit Cards:
1. Safety: Credit cards provide a secure method of payment, offering protection against fraud and unauthorized transactions.
2. Convenience: They allow consumers to make purchases online and internationally without the need to carry cash.
3. Prestige: Certain credit cards may offer perks and privileges that can be seen as a symbol of status.
4. Cost-effectiveness: Using a credit card can sometimes provide advantages such as cashback, rewards, or discounts on purchases.
5. No Debt to Friends or Family: With a credit card, one can avoid borrowing money from relatives or friends, maintaining financial independence.
6. Sanitation: Using a credit card for transactions reces the risk of spreading germs compared to handling cash.
7. Financial Relief: In emergency situations, a credit card can provide a temporary solution to financial constraints.
8. Credit History: Responsible use of a credit card helps build a positive credit history, which can be beneficial in the long run.
9. Financial Literacy: Handling a credit card can ecate indivials about responsible spending and budgeting.
10. Family Budgeting: Credit cards can aid in tracking family expenses, making it easier to manage and plan finances.
Disadvantages of Credit Cards:
1. Impulse Buying: The ease of making purchases with a credit card can lead to impulsive buying behavior.
2. Over-spending: Without proper self-control, indivials might exceed their spending limits, leading to debt.
3. High Interest Rates: If the credit card balance is not paid in full, interest charges can accumulate, increasing the cost of purchases.
4. Annual Fees: Many credit cards charge annual fees, which can be a financial burden, especially if not used frequently.
5. Card Fraud: There is a risk of credit card fraud, including unauthorized use and skimming.
6. Credit Score Impact: Misuse of a credit card, such as late payments, can negatively affect one's credit score.
In conclusion, while credit cards offer various advantages, including safety, convenience, and financial benefits, they also come with potential risks. It is crucial for indivials to use credit cards wisely, manage their spending, and be aware of the associated dangers to avoid falling into debt and other related issues.

⑵ 關於信用卡的英語作文

關於信用卡的英語作文

As mentioned in an early article, there are two types of credit cards: secured and unsecured. This article will explore some of the issues of secured credit cards.

What is a secured credit card?

A secured card is a credit card that requires you to deposit a certain amount of money into a savings account, money market account, or certificate of deposit. The minimum amount usually ranges between $200 and $500 but this will vary from one company to another. Your deposit is considered your security and some card issuers will even allow the deposit to earn interest.

The amount that you deposit into the account is your credit limit. You should understand that sometimes the limit will be for the full amount that you put into the account but with some companies your limit may be a percentage of the total amount that you deposited.

A secured credit card is not a debit card. This is important to understand because if full payments are not made each month, interest will be charged on the outstanding balance.

Who should consider using secured credit cards?

If you have no credit history at all, using a secured credit card can be a good way to begin establishing your credit. Many young people who are just starting out may choose this as an option.

If you have bad credit, you may wish to use a secured credit card to help you improve your credit score. In addition, a secured credit card may be the only source you will have for obtaining a credit card. There are some transactions that require the use of a credit card. This might include car rentals or hotel reservations. If you need to make those types of transactions and cannot get an unsecured credit card, this might be the only way you can get a true credit card.

What to look for in a secured credit card:

Interest Rate: Do not be fooled into thinking that because you have no credit history or a bad credit report that you have to settle for exorbitant interest rates. Make it a point to shop around for the lowest rates that you qualify for before you apply for a secured credit card.

Fees: Pay close attention to any fees that will be charged to you or to your account once it is opened. There are some companies that will charge ridiculously high fees that will rece your initial deposit before you even use the card. Stay away from those companies. Look for companies that have no fees whatsoever or for those companies that charge a all one-time fee to set up the account. Annual fees for attractive secured cards typically range from $20-$35.

Scams: It is sad to say that there are companies out there who are in the business of ripping people off. They prey on the vulnerability of those who may be in a credit crunch. Some of the things they do include promises of getting you "quick credit" for a price. Another popular scam is to ask you to call a 900 phone number for "secrets" to getting a credit card or credit repair. Your phone company will charge you a high rate for using a 900 number and you never get the information that was offered.

The best advice to avoid secured credit card scams is that if it sounds too good to be true it is. Use your common sense and do not be taken by these crooks.

Credit Improvement Issues: Even with a very good payment history on your secured card it can takes many months before you begin to see improvement in your credit record. You have to be patient when repairing bad credit. You also have to be art. Make sure that the company that issues the secured credit card to you will report your good payment history to the three big credit reporting agencies. Not all companies report and if they do not report you are simply wasting your time.

Keep in mind that they will also report your bad payment history if you do not pay on time. Be careful and make your payments on time each and every month.

credit card是什麼卡？

credit card就是信用卡。

1.貸記卡：是指具有一定信用卡額度，可在信用額度內先支付後還款，並按規定享有免息還款期待遇、存款無息的銀行卡。卡片具有信用消費、分期付款、轉賬結算、存取現金等功能。

2.准貸記卡：是指可在信用額度內先支付後還款，但不享受免息還款期，存款有息的銀行卡。卡片可在境內及具有銀聯標識的境外受理點使用，具有信用消費、轉賬結算、存取現金等功能。借記卡是由持卡人先存款、後使用的卡。credit card指的是信用卡，信用卡一種對信用合格的消費者發行的信用證明，持卡人可以先使用，後還款。

信用卡英文是credit card，容易理解，是基於個人信用（credit），信用卡也叫「貸記卡」。  儲蓄卡英文是debit card，也叫借記卡，這是比較專業的說法，但和「借」有什麼關系呢，很難理解。  有人說，你存在儲蓄卡里的錢相當於借給銀行的，所以是借記卡，這雖然說得通，但並不是專業的解釋。因為這里的「借」和「貸」是財務術語，來自復式記賬法，和這兩個字的本身的意思沒有任何關系。信用卡上有「VISA」或「MasterCard」標識的，在國外可以直接刷卡消費，而儲蓄卡或現金就要先兌換了。

拓展資料：信用卡於1915年起源於美國,最早發行信用卡的機構並不是銀行，而是一些百貨商店、飲食業、娛樂業和汽油公司。美國的一些商店、飲食店為招徠顧客，推銷商品，擴大營業額，有選擇地在一定范圍內發給顧客一種類似金屬徽章的信用籌碼，後來演變成為用塑料製成的卡片，作為客戶購貨消費的憑證，開展了憑信用籌碼在本商號或公司或汽油站購貨的賒銷服務業務，顧客可以在這些發行籌碼的商店及其分號賒購商品，約期付款。這就是信用卡的雛形

求一篇大學生使用信用卡利弊的英語作文

思路：

1、越來越多的人使用信用卡，信用卡有哪些好處。

2、信用卡的弊端。

3、你自己的觀點。

範文如下：

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.

譯文：

信用卡

個人信用卡在中國越來越普遍。銀行和其他金融機構正在鼓勵客戶改變購買方式。信用卡，又稱「塑料貨幣」，正以非常優惠的條件提供，以鼓勵這種改變。消費者將能夠「現在購買，稍後付款」，許多人認為這是一種優勢。

但人們需要小心。信用卡有危險。有些人發現很容易超出預算。他們被誘惑去購買他們並不真正需要的商品，而且很快就會因債務而負擔過重。信用卡通常收取很高的利息，這加劇了這些人的問題。

然而，明智地使用信用卡可以改善人們的生活質量。他們可以讓人們獲得錢來應付突然發生的意外開支。如果處理得當，他們可以讓人們控制自己的支出，每月的報表會記錄下他們的錢去了哪裡。

(2)大學生信用卡作文擴展閱讀：

英文作文寫作技巧：

1、認真審題立意

文章要有明確的主題，必須具備4個條件：准確、鮮明、深刻、集中。以作文「The English teacher I Admire Most」為例,文章的主題是關於記敘我最欣賞的一位英語老師,因而就不能泛泛談論老師這一職業或自己的幾位老師。

2、草擬提綱

文章布局要做好3件事：安排好層次段落，鋪設好過渡，處理好開頭和結尾。如命題作文中有提示句，還要從提示句的關鍵詞出發，圍繞關鍵詞開拓思路，發揮聯想，記錄下聯想到的東西，可以是句子或單詞片語，可以是英語或漢語。

3、寫出落主題句，理文章之脈絡

一篇短文的段落一般分為引導段、主題段和結尾段。每段的主題句非常重要，是作者思維的起點，切題的准繩，闡述的對象。看到段落主題句，讀者大致了解段落要闡述的內容。段落主題句通常是一個語法結構完整、內容概括、用詞簡潔明了的單句。

通常將段落主題句置於段落的開頭，可使文章結構更清晰，有說服力。

4、參照提綱，緊扣主題句，完成各段落

有了段落主題句後，還需要順著段落主題句的方向，參照提綱中的思路，從而完成各個段落。引導段要能引起讀者的注意和興趣，為主題段鋪路架橋。

主題段應圍繞文章和該段的主題來展開。展開的方式包括：順序法、舉例法、比較法、對比法、說明法、因果法、推導法、歸納法，和下定義等。可以根據需要任選一種或幾種方式。

一篇關於信用卡的英文文章

Credit Card Cash Advance Pitfalls

Credit card cash advances can provide consumers with convenient and instant access to "cold cash" in times of financial need, but cash advances should be avoided if at all possible. Informed consumers realize that cash advances are typically accompanied by fees and exorbitant interest rates (there is also no grace periodfor cash advances). Moreover, cash advances can be a major stumbling block for consumers seeking debt relief. We hope the following tips help consumers avoid the pitfalls associated with cash advances.

Fees for cash advances vary, but fees can be very costly. Fees are computed using two calculation methods. Many card issuers calculate fees on a percentage basis, which typically ranges from 1% to 4%. Other issuers charge "flat fees" for advances. "Flat fees" are not based on the amount of the advance and, therefore, are always the same.

An increasing trend is to combine both calculation methods. Combining calculation methods results in higher cash advance fees. An example of this would be an issuer that charges x% for an advance, but charges a minimum of $10 regardless of the amount of the advance. Another example would be an issuer that charges x% for an advance or $20, whichever is greater. Read the terms of your card agreement carefully. Fee calculation can get tricky.

A few issuers do not charge any fees at all. This is very rare, though.

Finally, if you must get an advance, avoid using ATM machines. ATMs charge an additional fee for advances. This fee is charged by the financial institution that owns the ATM.

Often the greatest potential pitfall for consumers who decide to get a cash advance involves finance or interest charges. The interest rate for cash advances is often several points higher than the normal purchase interest rate (the rate that is associated with everyday card purchases). Cash advance rates normally range from 20% to 25%. In contrast, the average purchase rate for a standard credit card ranges from 15.88% to 17.30% according to. However, a few issuers charge the same rate for both purchases and cash advances "Low Rate Report" for more info).

Other finance charge pitfalls involve grace periods and the payment method that a card issuer utilizes. Cash advances begin accruing interest immediately and, therefore, are not subject to a grace period. Thus, even if you pay your card balance in full when your bill arrives, you will still be accessed a finance charge for any advances.

A similar pitfall involves the manner in which payments are applied to your account. Most issuers apply payments to card purchases before they apply payments to cash advances (i.e. payments are first applied to purchases). If you carry a balance on your card, this can result in your a dramatic increase in your finance charges and overall interest rate.

Please be aware that any "credit card checks" that you receive in the mail are usually treated as cash advances! Card issuers often tout such checks as an easy way to pay off the bill of your choice or to acquire some extra spending money. While using a check may be convenient, it can be extremely costly. Many balance transfers are also treated as cash advances.

Dependency on cash advances can be an outward sign of serious debt problems. Consumers that regularly rely on advances to "make ends meet" urgently need debt counseling. Cash advances are so tempting that some cardholders fall victim to the "cash advance trap" and find themselves caught in a vicious cycle. If this statement applies to you or someone you know, please consult CardRating.com's "Get Debt Relief" section for a list of helpful resources

關於信用卡的利弊的英文文章

Today's Web developer needs to have a thorough knowledge of how to build commerce-enabled Web sites. One of the most mysterious areas, for clients and Web shops alike, is the process of setting up a Web-enabled credit card merchant account. The gold rush of e-commerce has spawned hordes of pick-and-shovel peddlers. If you search for information on credit cards, you'll find page after page of outfits, all offering to get your credit card scene together pronto and cheapo. All of them try to make the process of getting a merchant account sound extremely difficult and complicated (if you buy their proct, of course, it becomes easy). I am sorry to say that not a few of these outfits are shaky, shady, or simply scams. What do you really need to get credit card transactions going on a site, and how do you find a reputable bank that's knowledgeable about the Internet?

急需兩篇關於信用卡的好處的英語作文

Credit cards have had bad press over the past few months of the credit crunch they only cause more debt and have unfair rates of interest. . However, if a credit card is used in the correct way and you keep up with your payments, they can be very valuable in many aspects.

One of the most beneficial aspects of having a credit card is that it can help you to increase your credit score. If you have little borrowing experience, taking out a credit card helps to convey to other creditors that you are a responsible and reliable borrower.

Another benefit of owning a credit card is that it can be easier to buy things. Some companies, such as those in the travel sector like hotels, airlines and car rental companies prefer payment by credit card, and some do not accept cash payments at all. As well as this convenience, many card companies give insurance on large purchases. An example of this is when airline XL went bust in September,

A more obvious benefit of a credit card, and one of the main reasons people apply for a credit card, is that you have access to money ring emergencies. If you resist the temptation of spending the money on your credit card, you are left with a good sum of money to use when you most need it. You only pay interest on purchases or on cash withdrawals, so keeping a credit card at home (where you won't be able to spend on it) can be very valuable.

第二篇，

What Are the Advantages of Business Credit Cards?

Easier to obtain than lines of credit, these cards can help

the all business owner conserve cash while still buying the equipment and supplies needed to keep the business moving forward. Surveys report that more than 65 percent of all businesses now have credit cards, and this number continues to rise. Of course, not unlike personal credit cards, the same warnings hold true: Business credit cards must be used cautiously and only for the sake of the business.

Although business credit cards typically carry an annual fee, it is usually rather nominal. A number of advantages are evident in such business credit cards, including:

Another advantage of a business credit card is that by using it, you are demonstrating the growth of business while promoting it at the same time. Even someone running a home-based business gains more credibility when flashing a business credit card.