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.
我還有兩篇是陳述信用卡的好處的，雖然沒有說明弊端，但壹樣可以用在作文中：
1.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 during 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.
2.What Are the Advantages of Business Credit Cards?
Easier to obtain than lines of credit, these cards can help
the small 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 small 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.
Desk culture has a long history, early in the last century, Mr. Lu xun was late for class because in the desk and engraved a "early" word, warning after his early. Now people on the desk of the lettering, make more and more numerous phenomenon ulterly changed the desk, many teachers to the students on the desk of the lettering actions have no alternative. Some teachers have DuoCi to his students talk about love, not in the desk desk lettering. But finally ended in failure.
How to look at "desk culture" become the student and teacher of a new topic. The students thought that "desk culture" in the most angry when his can vent, the mood, also can be in their most trouble, get a little comfort. The students thought that "desk culture" is the development of their advantage. And the teachers think "desk culture" in the classroom disrupt the students' attention, "desk culture" make numerous knives cut the desk. The teachers consider "desk culture" must stop.
I think "desk culture" is a double-edged sword, advantages and disadvantages, and its more harm than good. I think in the desk out of his emotions, not only damage the desk, and make students form a angry we must find things out bad manners. This is I had said the shortcoming place. Someone in the desk some words carved on the expression, not only oneself benefit, also can make sit in this position to benefit. This is I said the benefit.
For this, I come up with a solution "desk culture" kill two birds with one stone method. I think we can put a piece of paper in the desk, whenever his angry in paper out, if the paper to write full can change one again. This can make yourself out the mood, also won't harm the table. I hope I this method can make "desk culture" into a new era
課桌文化已經有很長的歷史，早在上個世紀初，魯迅先生曾因為上課遲到而在課桌上刻了壹個“早”字，警示自己以後早到。現在人們在課桌上刻字的現象越來越多，使無數課桌面目全非，許多老師對學生們在課桌上刻字的行為都無可奈何。有些老師曾多次向自己的學生談起愛護課桌，不要在課桌上刻字。可最後都以失敗而告終。
如何看待“課桌文化”成為學生和老師的壹個新話題。學生們認為“課桌文化”可以在自己最生氣時，發泄壹下情緒，也可以在自己最苦惱時，得到壹絲安慰。學生們認為“課桌文化”是有利自己發展的。而老師們認為“課桌文化”在上課時擾亂學生們的註意力，“課桌文化”使無數課桌被刀子劃破。老師們認為“課桌文化”必須杜絕。
我認為“課桌文化”是壹把雙刃劍，有利也有弊，而它的弊大於利。我認為在課桌發泄自己的情緒，不僅損傷了課桌，而且使學生們養成了壹生氣就必須找東西發泄的壞毛病。這是我說得弊處。有人在課桌上刻壹些名言警句，不僅自己從中受益，也可以使坐在這個位置上的人受益。這是我說的益處。
為此，我想出了壹個解決“課桌文化”兩全其美的方法。我認為可以在課桌上貼壹張紙，每當自己生氣時可以在紙上發泄，如果這張紙寫滿時可以再換壹張。這樣既可以使自己發泄壹下情緒，也不會損害桌子。我希望我這個方法可以使“課桌文化”步入壹個新時代