大学生应不应该拥有信用卡《学生应该拥有信用卡吗英语》
本篇文章给大家谈谈学生应该拥有信用卡吗英语，以及大学生应不应该拥有信用卡对应的知识点，希望对各位有所帮助，不要忘了收藏本站喔。办理pos机添加微信18127011016
学生使用信用卡的英语作文带中文翻译
学生使用信用卡 Credit Cards on Campus
Nowadays, credit cards have beenincreasingly popular on campus in that banks are growingly paying theirattention to students and laying out various policies to cater for studentsneed. People hold different views towards students owning credit cards. As faras I am concerned, it is necessary for students to keep credit cards.
如今，信用卡在校园中已经越来越流行了，因为银行越来越关注学生并制定各种政策来满足学生的需求。对于学生拥有信用卡人们有不同的看法。我觉得是有必要的。
There are reasons accounting for my view.For one thing, it is convenient for students to deal with various financialmatters. Students can use their credit cards to pay their tuition fees andother fares and that is safer than pocket a large sum of money go everywhere.For another, using credit cards is a good way to teach students to improvetheir ability in managing their money and form good habit in spending money.For instance, students who receive their pocket money at the beginning of themonth have to make a plan to spend their money before they consume with thecredit cards, so that they will not suffer from lacking of money at the end ofthe month. In addition, the overdrawing function of the credit cards provides achance for those students who cannot afford their tuition fees to continue toreceive their education.
我认为以下原因老盯桥能支持我侍猛的观点。一方面，它便于学生处理各种财务问题。学生可以使用他们的信用卡来支付他们的学费和其他费用，这比装着一口袋的钱到处走要安全得多。另一方面，使用信用卡可以提高学生管理金钱的能力，并养成良好的`花钱习惯。例如，在月初时学生得到的零花钱必须要在使用信用卡的之前制定计划，这样他们就不会在月底资金短缺。此外，信用卡的透支功能为那些无法交付学费的学生提供继续接受教育的机会。
Although some students overdrawtheir money from their credit cards to buy luxurious and unnecessary thingsthat will increase their family financial burden, I consider that theadvantages far outweigh its disadvantages.
虽然一些学生透支信用卡来购买会增加家庭经济负担的奢侈品和不必要的东西，但是我认为它的优点远远大于它则答的缺点。
Thus, I consider that it is necessary forstudents to use credit cards. Besides, they also should be taught to use itproperly and form a correct notion of consume.
因此，我认为学生使用信用卡是有必要的。此外，他们还应该得到教导如何正确使用信用卡，形成正确的消费观念。
英语课辩论 大学生该不该使用信用卡 我是正方 要怎么说 要用英文～ 大神 求指导
如下7点优点，结合大学生的情况自己组织组织：
1, One of the most obvious strengths of credit cards is their convenience. Having a major Visa, MasterCard, Discover Card or American Express
credit card in your wallet means no more running to the bank for cash,
counting out change, or hurriedly scribbling in a check book when you
need to make a purchase. Credit cards even offer benefits over debit
cards, the other piece of plastic many of us carry. While debit cards
look like credit cards, they lack some of the benefits of being able to
charge. Debit cards, many of which are linked to your checking account,
sometimes have 24-hour charging limits, which could prevent you from
buying that \(900 computer you've had your eye on. Debit cards can even </p><p>act like credit cards if you sign for a purchase instead of using your </p><p>PIN number, with the bank usually covering the difference between the </p><p>amount in your account and the cost of your purchase. However, when the </p><p>bank acts essentially as a creditor in this manner, you can get slammed </p><p>with sizable insufficient fund fees for covering your shortcomings. </p><p>Alternatives to debit cards linked to checking accounts are called </p><p>prepaid debit cards, which are preloaded with funds and are designed to </p><p>avoid the pitfalls of spending more than you have.</p><p>2 Your credit card can help you budget expenses each month, provided you </p><p>pay your bill in full every time. If you do, your bill then acts as a </p><p>master receipt that displays an itemized listing of what you spent your </p><p>money on. Some credit cards, especially those from American Express, </p><p>even categorize your purchases and send quarterly or annual summaries of</p><p> your spending that provide percentage breakdowns of how much you spent </p><p>on retail, dining, entertainment, etc. For those of you that have set up</p><p> an online account with the credit card company, you can likely import </p><p>the data into some form of personal finance tracking software.</p><p>3 The use of a credit card is directly connected to your credit score, the</p><p> report card for borrowers. The responsible way you handle your credit </p><p>card is recorded in your credit history for lenders to review. Your high</p><p> score in that credit report shows how creditworthy you are deemed by </p><p>other lenders and that you pay your bills on time and spend </p><p>conservatively. Conversely, irresponsible use of a credit card will </p><p>produce low credit scores which can result in either being denied for </p><p>future credit or paying much higher interest rates.</p><p>4 While you usually get hit with charges for not paying your entire bill </p><p>each month, sometimes the lender will give you a break in the form of </p><p>the float. The float offered by most credit cards is the grace period </p><p>you have to avoid interest on a purchase if there is no balance on your </p><p>card at the time of purchase. That means you get a break from 20 to 30 </p><p>days during which your lender will not charge interest on your purchase.</p><p> The float is a great way to avoid paying interest on unexpected </p><p>expenses or on items that you eventually decide to return.</p><p>5 You can sometimes get the lender to ease the pain associated with things</p><p> like the annual percentage rate and annual fees. Credit card companies </p><p>are often open to negotiation, on anything from waiving the annual fee </p><p>to lowering your APR to excusing a late payment. You just need to ask. </p><p>To attract a new customer it costs a lender between \)50 and \(150 for </p><p>each account. Due to the competition in the industry, it makes sense for</p><p> your credit card company to do what it can to keep you from leaving </p><p>them for a competitor.</p><p>6 Credit card companies are major corporations with all the strength that </p><p>entails. So when you use your credit card, you get to apply that </p><p>strength in your own favor. Making a costly purchase with plastic gives </p><p>you immediate purchase protection that you do not get when you pay with </p><p>cash or some ATM cards. When used for purchases, some credit cards </p><p>automatically extend your product warranty. If merchants don't deliver </p><p>what you paid for, the credit card issuer can step in to help. The money</p><p> you are using to pay for a credit card purchase comes from the issuer, </p><p>after all.</p><p>7 Finally, making a purchase with your credit card gives you a degree of </p><p>theft protection. While everyone hopes it will never happen, be sure to </p><p>let your credit card issuer know if your card is stolen. Most credit </p><p>card companies will work very hard to resolve theft issues, as fraud is </p><p>one of the industry's biggest concerns. Generally you will only be </p><p>responsible for paying back the first \)50 of the thief’s total spending,
which could save you a lot of cash if the crook has expensive tastes.
(You may not even have to pay that amount if you ask nicely.) And, if
you report the theft immediately, most credit cards offer a zero
liability policy, meaning you don’t have to pay anything for
unauthorized purchases made with your card. Meanwhile, if you have an
online account, you will be able to notice fraudulent activity with your
card before the next statement arrives in the mail.
求一篇大学生使用信用卡利弊的英语作文
思路：
1、越来越多的人使用信用卡，信用卡有哪些好处。
2、信用卡的弊端。
3、你自己的观点。
范文如下：
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.
译文：
信用卡
个人信用卡在中国越来越普遍。银行和其他金融机构正在鼓励客户改变购买方式。信用卡，又称“塑料货币”，正以非常优惠的条件提供，以鼓励这种改变。消费者将能够“现在购买，稍后付款”，许多人认为这是一种优势。
但人们需要小心。信用卡有危险。有些人发现很容易超出预算。他们被诱惑去购买他们并不真正需要的商品，而且很快就会因债务而负担过重。信用卡通常收取很高的利息，这加剧了这些人的问题。
然而，明智地使用信用卡可以改善人们的生活质量。他们可以让人们获得钱来应付突然发生的意外开支。如果处理得当，他们可以让人们控制自己的支出，每月的报表会记录下他们的钱去了哪里。
扩展资料：
英文作文写作技巧：
1、认真审题立意
文章要有明确的主题，必须具备4个条件：准确、鲜明、深刻、集中。以作文“The English teacher I Admire Most”为例,文章的主题是关于记叙我最欣赏的一位英语老师,因而就不能泛泛谈论老师这一职业或自磨氏己的几位老师。
2、草拟提纲
文章布局要做好3件事：安排好层次段落，铺设好过渡，处理好开头和结尾。如命题作文中有提示句，还要从提示句的关键词出发，围绕关键词开拓思路，发挥联想，记录下联想到的东西，可以是句子或单词词组，可以是英语或汉语。
3、写出落主清游冲题句，理文章之脉络
一篇短文的段落一般分为引导段、主题段和结尾段。每段的主题句非常重要，是作者思维的起点，切题的准绳，阐述的对象。看到段落主题句，读者大致了解段落要阐述的内容。段落主题句通常是一个语法结构完整、内容概括、用词简洁明了的单句。
通常将段落主题句置于段落的开头，可使文章结构更清晰，有说服力。
4、参照提纲，紧扣主题句，完成各段落
有了段落主题句后，还需要顺着段落主题句的方向，参答歼照提纲中的思路，从而完成各个段落。引导段要能引起读者的注意和兴趣，为主题段铺路架桥。
主题段应围绕文章和该段的主题来展开。展开的方式包括：顺序法、举例法、比较法、对比法、说明法、因果法、推导法、归纳法，和下定义等。可以根据需要任选一种或几种方式。
英语作文：大学生使用信用卡的利弊
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.
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.
三个月后准备去英国留学，有必要办一张信用卡吗？
现在很多人都想出国留学进行深造，小编觉得这真的是一个很错的发展机会。不过小编在网猛察络上看到有网友咨询了这样一个问题，自己三个月之后准备去英国留学，有必要办一张信用卡吗？
一、学生不具备办理信用卡的条件
首先大家肯定要知氏祥道一点学生是不具备办理信用卡的条件的，如果你想办理一张信用卡的话，可以让你的父母去银行给你办理一张或者是让你的父母给你枝核茄办理一张银行卡的副卡，这样的话也是不耽误你使用银行卡的相应功能的，其实小编觉得你在当地办理一张信用卡，以后到英国留学使用起来也是比较方便的。
二、是否办理信用卡看个人选择
有的人出国留学之前，不选择在当地办理信用卡，而是到英国之后在学校去办理一张借记卡，其实小编觉得这种方法也是可以的，而且操作起来也非常方便，毕竟你现在是在英国留学以后的交易，也是使用英国这边通用的货币，如果你在国内办理银行卡那么以后到英国去使用的话，可能还会要完成相应的手续，这样的话可能会比较麻烦，所以如果你直接选择到学校附近去办理一张银行卡，这样来说是比较方便的。不过小编觉得大家去英国留学肯定也是会按时收到父母给你打来的钱，如果你有国内的银行卡，这样一来也是比较方便的。
三、结语
现在人们的生活条件也越来越好了，很多父母都想给自己的孩子创造更好的教育机会，所以很多人都会选择出国留学，如果有相应的条件的话，小编也是建议大家出国留学的，毕竟这也是一个很好的提升自己眼界的机会。如果你不知道自己到底应不应该办理银行卡，其实小编建议大家可以咨询当地的有关部门。
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