考研英语作文范文：信用卡

    Recently,with the credit card playing an increasingly important role in our daily life,more and more people are fond of taking an card when them go out.Credit cards can be handy — they mean you do not have to carry large sums of cash.Even so,many people still be fall into the trap of credit card.
    As a matter of fact,thought-provoking as it is,does mirror a current social phenomenon-we need to be cautious when using credit cards. Banks and other financial institutions are encouraging their customers to change the way they buy things. Thought credit card may bring people great convenience.There re many risks associated with the irresponsible and excessive use of it. 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.And worst of all,if you don't pay your debt in time,a negative make will be on your credit report.
    As far as I'm concerned,using credit cards wisely can improve the quality of lives.You can pay by credit card.Like a coin has two sides,there is a positive aspect and a negative aspect.We should be taught to use it properly and form a correct notion of consume.

可使用的句子
近几年信用卡业务迅猛增长，太多的放贷机构在办理该类业务时附加了隐形条款和机关陷阱，无数客户受骗上当并不堪其辱。
    As the credit card business boomed in recent years, too many lenders added tricks and traps that have ensnared and infuriated millions of their customers.
此外，信用卡的使用还将减少中央银行的铸币税收入，削弱再贴现政策、法定准备金政策、公开市场操作等货币政策工具的效力，增大金融系统的流动性风险和信誉风险。
    Besides, the use of credit cards will also reduce the seigniorage revenues of central banks, weaken the effects of monetary policy tools and raise the liquidity risk and credit risk in financial system.