credit card.ppt

1、At present, a wide variety of credit cards issued by major banks and shopping malls are thriving in colleges and universities across the nation, with a multitude of college students making up a growing population of card holders. Indeed, one out of five students is estimated to be in possession of a

2、t least one credit card, and the figure is expected to be on the steady increase, the latest data published by Yangtze Evening Post suggests.,范文1.,Like anything prior to the emergence of this small piece of plastic, the increasing popularity of credit card on campus has both bright and dark sides. O

3、n the one hand, young adults in college, free from the trouble of pocketing a considerable sum of cash, could enjoy the convenience of credit cards and purchase expensive goods by installments. On the other hand, however, the irresponsible and excessive use of the cards by these youngsters, the majo

4、rity of whom are fresh out of middle school incapable of budgeting their money, can make them heavily in debt which will take them years to pay off.,On my personal level, while enjoying a host of conveniences the credit card may bring, we couldnt afford to ignore a conspicuous fact: in most cases, p

5、arents are our sole financial sources. Instead of spending without any restrict, we are supposed to put studies on the top of our agenda and move ourselves beyond heavy dependence upon our parents.,Personal credit cards are becoming more common in China. Banks and other financial institutions are en

6、couraging 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.,范文 2.,But people need to be careful. There a

7、re 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

8、 people.,However, used wisely， credit cards can improve the quality of peoples 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.,范文

9、3.,In recent years, credit cards have gained more popularity among college students. With banks more focus on college market, an increasing number of college students have applied for a credit card and begun to consume by it.The following three factors can account for the popularity of credit cards

10、in college. Firstly, a credit card provides overdrawing service, which is a big attraction for those students who have no much money for their domination. Secondly, a credit card can help release financial burdens on those poor students, and hence reduce the risk of their dropping school for lacking

11、 money. Besides, many banks make some preferential policies on credit cards, like sending a gift, lowering year cost. Drawn by these policies, many college students apply for credit cards.,As far as I am concerned, it is not a bad thing for college students to own credit cards. However, there is mis

12、use of credit cards among college students. Many students use credit cards to buy luxurious things they dont need really, and even some of them owe a big credit cards debt. Therefore, schools and banks have responsibility to let college students learn how to use credit cards properly. Only in this w

13、ay can college students enjoy really the advantages of credit cards.,范文 4.,Should College Students Have a Credit Card At present, credit cards, the once exclusive possessions of the rich, have become quite popular on campus. Some college students hold more than one credit card. They use credit cards

14、 to buy a variety of goods, say, clothes, stationery, mobile phones, electronic products and other expensive goods. In my opinion, credit cards are not necessities for college students. With credit cards, some students tend to purchase goods on impulse. They can get temporary satisfaction this way, however, hotheaded purc