My View on Credit Card Consumption

Nowadays, credit card hasbeen a popular consumption in modern living hood. However, different peoplehold different views in it and heated debates are right on their way.

如今，信用卡已经成为现代生活中一种的普遍消费方式。然而，不同的人对此有不同的看法，并且各执一词，争论激烈。

Some are in favor of thecredit card consumption. They point out the fact that credit card provides aconvenient and safe way for our consumption. They consider credit card is more promoteand healthier than cash, for the latter is easy to lose and dirty. In addition,they argue that credit card can help a lot if we involve in financial trouble. Thatis to say, the overdraw service by credit card would give a hand to pay forhospital and university.

赞成刷卡消费的人指出，信用卡为我们提供了一个方便，安全的消费方式。他们认为，使用信用卡比现金更方便卫生，后者容易丢失，也不干净。此外，他们还认为，当我们面临财务危机时，信用卡可以帮助解决燃眉之急。例如，信用卡的透支功能可以帮助我们支付医疗费和大学学费。

However, there are manypeople standing on the other ground. They figured out that credit cardconsumption has brought some serious problems in many aspects. Many people spendtheir money recklessly by using credit card. And what’s worse, those who cannot control the desire to consume and never make a plan to spend their moneywill overdraw the money immoderately and that will cause more and more familyinvolve in financial crisis.

不过，也有许多人持反对意见。他们指出刷卡消费引起了各种严重问题。不少人盲目刷卡消费。更糟的是，他们花钱如流水，从不制定消费计划，这将导致无节制透支，从而使得越来越多的家庭陷入经济危机。

In my opinion, the bothsides have some important points. Therefore, as rational consumers, we shoulduse credit card properly. On the one hand, we can utilize its advantages forthe convenience of our payment. On the other hand, we should keep a rationalmind when using it, in case we will suffer from it.

在我看来，双方的观点都有可取之处。因此，作为理性的消费者，我们应该正确地使用信用卡。一方面，我们可以利用信用卡支付方便的优势；另一方面，我们应该在刷卡消费时保持理性，以免过度消费。

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