My View on Credit Card Consumption 我的信用卡消费观

　　Nowadays, credit card consumption has been a commonphenomenon in our lives. However, different people hold different views in itand heated debates are right on their way.

　　如今，信用卡消费已经成为我们生活中的一个普遍现象。然而，不同的人持有不同观点，激烈的辩论是在正确的路。

　　Some are in favor of the credit card consumption. Theypoint out the fact that credit card provides a convenient and safe way for ourconsumptions. They consider that using credit card to pay is more convenientand clean than pay by cash, which is as easy to lose and unclean. In addition,they argue that credit card can help a lot when we are meeting seriousfinancial trouble. For example, when we get involved in trouble and need lotsof money to solve it, the overdraw function of credit card would be a goodhelper.

　　有些人赞成信用卡消费。他们指出信用卡提供了一个方便、安全的方式我们的消费。他们认为，使用信用卡支付比现金支付更方便、干净，这是容易丢失和不洁。此外，他们认为，信用卡可以帮助很多的时候我们会严重的金融困境。例如，当我们卷入麻烦，需要大量的资金来解决它，透支功能的信用卡会是一个好帮手。

　　However, there are many people standing on the otherground. They figure out that credit card consumption has brought some seriousproblems in many aspects. Many people spend their money recklessly by usingcredit card. And what’s worse, those who can not control the desire to consumeand never make a plan to spend their money will overdraw the money immoderatelyand that will cause more and more family involve in financial crisis.

　　然而，有许多人站在otherground。他们指出，信用卡消费中的许多方面带来了一些严重的问题。很多人花自己的钱大手大脚的使用信用卡。更糟糕的是，那些无法控制的欲望的消费不做计划花钱透支的钱无节制将导致越来越多的家庭陷入财务危机。

　　In my opinion, the both sides have some importantpoints. Therefore, as rational consumers, we should use credit card properly.On the one hand, we can utilize its advantages for the convenience of ourpayment. On the other hand, we should keep a rational mind when using it, incase we will suffer from it.

　　在我看来，双方都有一些重要的。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，我们可以利用自身优势为支付便利。另一方面，我们应该保持理性的头脑的时候使用它，这样我们就会遭殃。