恒星英语网四六级频道为您提供英语四级作文预测，下面是一段关于信用卡使用的作文，要求考生针对信用卡的利弊进行论证，写作思路及作文模板如下。
Credit Cards
1.越来越多的人使用信用卡 2.信用卡的弊端 3.信用卡有哪些好处
可参考［对比选择型模板］
Credit Cards
personal credit cards are becoming more common in China. Banksand other financial institutions are encouraging their customers to change theway they buy things. Credit cards, otherwise known as plastic money， arebeing offered on very good terms to encourage the change. Consumers will beable to buy now, pay later， and many see this as an advantage。(描述现象段)
But people need to be careful. There are dangersassociated with credit cards. Some people find it very easy to exceed theirbudget. They are tempted to purchase goods that they do not really need, andcan become quickly overburdened by debt. The credit cards often charge a highrate of interest, which exacerbates the problems for these people。(说明问题段)
However, wisely used credit cards can improve the qualityof peoples lives. They can give people access to money to meet suddenunplanned expenses. properly handled, they can let people control theirexpenditure and the monthly statements provide a record of where their moneyhas gone。(总结观点段)
点评：这是一篇议论文，关于信用卡的利弊。可以分成三部分：第一部分，信用卡的好处，比如说应急等；第二部分，信用卡的一些弊端，比如说鼓励一些无用的消费；第三部分：你自己的观点，理性使用。