My View on Credit Card Consumption 我的信用卡消費(fèi)觀

　　Nowadays, credit card consumption has been a commonphenomenon in our lives. However, different people hold different views in itand heated debates are right on their way.

　　如今，信用卡消費(fèi)已經(jīng)成為我們生活中的一個(gè)普遍現(xiàn)象。然而，不同的人持有不同觀點(diǎn)，激烈的辯論是在正確的路。

　　Some are in favor of the credit card consumption. Theypoint out the fact that credit card provides a convenient and safe way for ourconsumptions. They consider that using credit card to pay is more convenientand clean than pay by cash, which is as easy to lose and unclean. In addition,they argue that credit card can help a lot when we are meeting seriousfinancial trouble. For example, when we get involved in trouble and need lotsof money to solve it, the overdraw function of credit card would be a goodhelper.

　　有些人贊成信用卡消費(fèi)。他們指出信用卡提供了一個(gè)方便、安全的方式我們的消費(fèi)。他們認(rèn)為，使用信用卡支付比現(xiàn)金支付更方便、干凈，這是容易丟失和不潔。此外，他們認(rèn)為，信用卡可以幫助很多的時(shí)候我們會(huì)嚴(yán)重的金融困境。例如，當(dāng)我們卷入麻煩，需要大量的資金來解決它，透支功能的信用卡會(huì)是一個(gè)好幫手。

　　However, there are many people standing on the otherground. They figure out that credit card consumption has brought some seriousproblems in many aspects. Many people spend their money recklessly by usingcredit card. And what’s worse, those who can not control the desire to consumeand never make a plan to spend their money will overdraw the money immoderatelyand that will cause more and more family involve in financial crisis.

　　然而，有許多人站在otherground。他們指出，信用卡消費(fèi)中的許多方面帶來了一些嚴(yán)重的問題。很多人花自己的錢大手大腳的使用信用卡。更糟糕的是，那些無法控制的欲望的消費(fèi)不做計(jì)劃花錢透支的錢無節(jié)制將導(dǎo)致越來越多的家庭陷入財(cái)務(wù)危機(jī)。

　　In my opinion, the both sides have some importantpoints. Therefore, as rational consumers, we should use credit card properly.On the one hand, we can utilize its advantages for the convenience of ourpayment. On the other hand, we should keep a rational mind when using it, incase we will suffer from it.

　　在我看來，雙方都有一些重要的。因此，作為理性的消費(fèi)者，我們應(yīng)該正確地使用信用卡。一方面，我們可以利用自身優(yōu)勢為支付便利。另一方面，我們應(yīng)該保持理性的頭腦的時(shí)候使用它，這樣我們就會(huì)遭殃。