信用卡的好处与坏处英语作文

关于”信用卡的好处与坏处“的英语作文模板5篇，作文题目：The advantages and disadvantages of credit card。以下是关于信用卡的好处与坏处的四级英语模板，每篇作文均为高分模板带翻译。

高分英语作文1：The advantages and disadvantages of credit card

In the credit crunch of the past few months, credit cards have been negatively affected, which will only lead to more debt and unfair interest rates. However, credit cards are valuable in many ways if they are used in the right way and you can repay them on time. One of the most beneficial aspects of a credit card is that if you don't have much borrowing experience, it can help you improve your credit score.

Using a credit card can help show other creditors that you are a responsible and reliable borrower. Another advantage of having a credit card is that it is easier to purchase certain companies, such as hotels, airlines and car rental companies in the tourism industry. Some companies prefer to pay by credit card.

Some companies do not accept cash payment at all. Many credit card companies provide insurance for large purchases. An example is one of the credit cards when XL Airlines went bankrupt in September The more obvious benefit is also one of the main reasons people apply for credit cards.

In an emergency, if yoesist the temptation to spend money on credit cards, you will have a large amount of money to use when you need it most. You only need to pay the interest on the purchase or withdrawal, so it is very valuable to keep the credit card at home (where you can't spend money there).

中文翻译：

在过去几个月的信贷紧缩中，信用卡受到了负面影响，它们只会导致更多的债务和不公平的利率。然而，如果信用卡使用正确的方式，并且你能及时还款，信用卡在许多方面都是非常有价值的。信用卡最有益的一个方面是，如果你没有什么借贷经验，它可以帮助你提高信用评分，使用信用卡有助于向其他债权人表明你是一个负责任和可靠的借款者。

拥有信用卡的另一个好处是可以更容易地某些公司，例如旅业的酒店、航空公司和汽车租赁公司更喜欢用信用卡付款，有些公司根本不接受现金支付以及这种便利，许多信用卡公司为大额提供保险一个例子是当XL航空公司在xx月份破产时，信用卡的一个更明显的好处，也是人们申请信用卡的主要原因之一，在紧急情况下，如果你抵制住把钱花在信用卡上的，你会有一大笔钱在你最需要它的时候使用你只需支付或取现的利息，所以把信用卡放在家里（在那里你无法消费）是非常有价值的。

万能作文模板2：信用卡的优缺点

Note: in this section, you can write a composition about campus credit card in a few minutes. You should write at least a few words and write a composition according to the following outline (in Chinese): in recent years, credit card is becoming more and more popular among college students, and banks are paying more and more attention to the university market. More and more college students apply for credit card and start to write a composition according to the following outline (in Chinese) Use credit card to spend.

The following three factors can explain the popularity of credit cards on campus. First, credit cards provide overdraft service, which is a great attraction for those students who have no money. Second, credit cards can reduce the financial burden of poor students, thereby reducing the risk of them dropping out of school.

In addition, many banks have some preferential policies in terms of credit cards, such as giving gifts. Because these policies reduce the annual cost, as far as I know, many college students have applied for credit cards. It is not a bad thing for college students to have credit cards.

However, there is a phenomenon of abusing credit cards among college students. Many students use credit cards to buy luxury goods they don't really need, and even some people use credit cards. Therefore, schools and banks have the responsibility to let college students learn how to use credit cards correctly.

Only in this way can college students really enjoy the benefits of credit cards.

中文翻译：

说明：在这一部分，你可以用几分钟的时间写一篇关于校园信用卡的作文你应该至少写几个字，并根据下面的大纲（中文）写一篇作文：校园信用卡近年来，信用卡在大学生中越来越受欢迎，银行也越来越关注在大学市场上，越来越多的大学生申请了信用卡并开始使用信用卡消费。以下三个因素可以解释信用卡在校园里的流行首先，信用卡提供透支服务，这对那些没有钱的学生来说是一个很大的吸引力第二，信用卡可以减轻贫困学生的经济负担，从而降低他们缺钱辍学的风险。此外，许多银行在信用卡方面有一些优惠政策，比如送礼物，由于这些政策降低了年成本，据我所知，许多大学生已经申请了信用卡，对大学生来说拥有信用卡并不是件坏事。

然而，大学生中存在着滥用信用卡的现象，许多学生用信用卡他们并不真正需要的奢侈品，甚至还有一些人用信用卡因此，学校和银行有责任让大学生学会如何正确使用信用卡，只有这样，大学生才能真正享受到信用卡的好处。

满分英语范文3：信用卡的好处与坏处

Credit cards are a no fuss cash substitute, and they are also a useful tool in an emergency, but the advantages of credit cards are far more than convenient for you to get the maximum benefits from credit cards. Using it to keep abreast of the latest situation, your credit card can help you track your expenses, save your receipts and work with you if you find any errors, if your letter If your credit card or account number has been frozen, and your credit card issuer provides optional security alert, you will not be responsible for any fees, register and automatically notify your account of any abnormal activities Your credit card issuers check for damage protection. Some credit cards provide protection if the goods you buy are substandard.

Many credit card companies provide payment due date reminders to avoid late fees. Use it to build your credit history. One of the main advantages of a credit card is that it can produce a positive effect on your credit score when you use it wisely By using your credit card regularly and paying monthly payments on time, you can build a reliable credit record, tell potential lenders "you can trust me" to save money.

When you insist on paying your bills on time, you can use higher credit scores to boost your credit score. You may be eligible for low interest rate mortgages, cars and other big ones With your card, you can get a variety of rewards, including: cash back on daily consumption, including gas and daily necessities, air mileage, which can be used to exchange travel or purchase discount travel. Please use this mileage to keep calm when traveling.

Check to see if your credit card offers you these credit card advantages: trip cancellation delay insurance baggage loss insurance travel and emergency assistance follow these tips you can find the right credit card.

中文翻译：

信用卡是一种无需大惊小怪的现金替代品，在紧急情况下它们也是一种有用的工具，但是信用卡的优点远远不止是方便你从信用卡中获取最大的好处使用它来掌握最新情况你的信用卡可以帮助你跟踪你的开支节省你的收据并与你的如果您发现任何错误，如果您的信用卡丢失或发现可疑的费用，请立即通知您的信用卡公司，在大多数情况下，请拨打您的账单或信用卡背面的号码，如果您的信用卡或账号已被冻结，并且您的信用卡发卡机构提供可选的安全警报，您将不承担任何费用，注册并自动通知您帐户上的任何异常活动与您的信用卡发卡机构检查有关损坏保护有些信用卡提供保护如果您的商品是不合格的许多信用卡公司提供付款到期日提醒注册这些提醒以避免收取滞纳金使用它建立你的信用记录信用卡的一个主要优点是，当你明智地使用它时，它可以对你的信用评分产生积极的影响，定期使用你的信用卡并按时支付月供，你可以建立一个可靠的信用记录，告诉潜在的贷款人“你可以信任我”用它来节省资金当你坚持按时支付你的账单，你可以用更高的信用分数来提高你的信用分数，你可能有资格享受低利率的抵押贷款，汽车和其他大项目下的道路，这可以节省你的钱用它来获得奖励用你的卡，你可以获得各种各样的奖励，其中：现金返还在日常消费上，包括汽油和日用品航空里程，可用于兑换旅行或折扣旅行。旅行时请使用该里程数以保持心情平静。检查您的信用卡是否为您提供了这些信用卡优势旅客：行程取消延误保险行李丢失保险旅行和紧急援助遵循这些提示，你可以找到合适的信用卡。