关于”信用卡好处与坏处“英语作文模板5篇，作文题目：The advantages and disadvantages of credit card。以下是关于信用卡好处与坏处四级英语模板，每篇作文均为高分模板带翻译。

In the credit crunch of the past few months, credit cards have been negatively affected, which will only lead to de and unfair interest rates. Howr, credit cards are valuable in many ways if they are used in the ght 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 borwing expeence, it can you impve yo credit score.

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

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

In an emergency, if you resist 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 pchase 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：

在过去几个月信贷紧缩中，信用卡受到了负面影响，它们只会导致更多债务和不公平利率。然而，如果信用卡使用正确方式，并且你能及时还款，信用卡在许多方面都是非常有价值。信用卡最有益一个方面是，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借款者。

拥有信用卡另一个好处是可以更容易地购买某些公司，例如旅业酒店、航空公司和汽车租赁公司更喜欢用信用卡付款，有些公司根不接受支付以及这种便利，许多信用卡公司为大额购买提供保险一个例子是当XL航空公司在xx月份破产时，信用卡一个更明显好处，也是人们申请信用卡主要原因之一，在紧急情况下，如果你住把钱花在信用卡上诱惑，你会有一大笔钱在你最需要它时候使用你只需支付购买或取现利息，所以把信用卡放在家里（在那里你无法消费）是非常有价值。

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

The following three factors can explain the populaty of credit cards on campus. First, credit cards pvide overdraft , which is a great attraction for those students who have no money. Second, credit cards can reduce the financial bden of poor students, thereby reducing the sk of them dpping out of school.

In addition, many banks have some preferential policies in terms of credit cards, such as giving gifts. Becse 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.

Howr, there is a phenomenon of abusing credit cards among college students. Many students use credit cards to buy luxy goods they don't really need, and n 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，你可以用几分钟时间写一篇关于校园信用卡作文你应该至少写几个字，并根据下面大纲（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流行首先，信用卡提供透支服务，这对那些没有钱学生来说是一个很大吸引力第二，信用卡可以减轻贫困学生经济负担，从而降低他们缺钱辍学风险。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，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现象，许多学生用信用卡购买他们并不真正需要奢侈品，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好处。

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 than convenient for you to get the maximum benefits fm credit cards. Using it to keep abreast of the la situation, yo credit card can you track yo expenses, save yo receipts and work with you if you find any errs, if yo letter If yo credit card or account number has been fzen, and yo credit card issuer pvides optional secuty alert, you will not be responsible for any fees, register and tomatically notify yo account of any abnormal activities Yo credit card issuers check for damage ptection. Some credit cards pvide ptection if the goods you buy are substandard.

Many credit card companies pvide payment due date reminders to avoid late fees. Use it to build yo credit history. One of the main advantages of a credit card is that it can pduce a positive effect on yo credit score when you use it wisely By using yo 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 yo bills on time, you can use higher credit scores to boost yo credit score. You may be eligible for low interest rate mortgages, cars and other big ones With yo card, you can get a vaety of rewards, including: cash back on daily consumption, including gas and daily necessities, air mileage, which can be used to exchange travel or pchase discount travel. Please use this mileage to keep calm when traveling.

Check to see if yo credit card offers you these credit card advantages: tp cancellation delay insance baggage loss insance travel and emergency assistance follow these tips you can find the ght credit card.

中文翻译：

信用卡是一种无需大惊小怪替代品，在紧急情况下它们也是一种有用工具，但是信用卡优点远远不止是方便你从信用卡中获取最大好处使用它来掌握最新情况你信用卡可以帮助你跟踪你开支节省你收据并与你如果您发现任何错误，如果您信用卡丢失或发现可疑费用，请立即您信用卡公司，在大多数情况下，请拨打您账单或信用卡背面号码，如果您信用卡或已被冻结，并且您信用卡发卡机构提供可选安全警报，您将不承担任何费用，注册并自动您帐户上任何异常活动与您信用卡发卡机构有关损坏保护有些信用卡提供保护如果您购买商品是不合格许多信用卡公司提供付款到期提醒注册这些提醒以避免收取滞纳金使用它建立你信用记录信用卡一个主要优点是，当你明智地使用它时，它可以对你信用评分产生积极影响，定期使用你信用卡并按时支付月供，你可以建立一个可信用记录，告诉潜在贷款人“你可以信任我”用它来节省资金当你坚持按时支付你账单，你可以用更高信用分数来提高你信用分数，你可能有资格享受低利率抵押贷款，汽车和其他大项目下道路，这可以节省你钱用它来获得奖励用你卡，你可以获得各种各样奖励，其中：返还在常消费上，包括汽油和用品航空里程，可用于兑换旅行或购买折扣旅行。旅行时请使用该里程数以保持心情平静。您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，你可以找到合适信用卡。

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