201212四级考前最新命制试卷作文参考范文(3套).docVIP

四级考前最新命制试卷一 作文参考范文 【参考范文一】 On Credit Card Consumption As people change the patterns of consumption, credit card shopping is becoming more and more popular. At the same time, the frequency for the banks to issue the credit cards is also higher and higher. Every coin has two sides. There is no exception of credit consumption. For advantages, it is convenient. You do not have to carry cash to buy things and you can buy anything just by brushing your credit cards. For disadvantages, it can bring some problems. With cards, you do not aware the money you have spent. When you walk the streets, you would like to go shopping without the realization that you may be spending a lot of money. I’d say that it is high time that you should pay attention to your consumption habit. Firstly, you’d better try your best to buy things in cash. To some extent, cash consumption can truly keep you away from irrational behavior. Secondly, you’d better develop a good habit of saving and investing. 【参考范文二】 On Credit Card Consumption Open your wallet. How many credit cards do you hold? No? Then I bet you will be sneered as being out of date. Your peers will inform you that as a modern university student, credit cards issued by banks or shopping malls are must-haves. How can credit card gain such a widespread popularity on campus? For its advantage, through allowing payment by instalments, credit card greatly relieves financial difficulties on students, especially for the poor ones. However, they may have trouble in repaying overdraft while enjoying themselves in advance the right of the items at the same time. Have you ever considered whether your salary is sufficient for repayment next month? In my opinion, there are several ways to manage the strength and weakness of credit cards. Firstly, don’t hold too many cards, choose the ones you need. Secondly, manage your cards properly. Thirdly, do not use them excessively. Only by following these tips can we enjoy the advantages of credit c