四六级

　　Directions: For this part, you are allowed 30 minutes to write a short essay on the topic of

　　Credit Cards. You should write at least 120 words following the outline given below inChinese:

　　1. 越来越多的人使用信用卡， 信用卡有哪些好处

　　2. 信用卡的弊端

　　3. 你自己的观点

　　参考范文：

　　Personal credit cards are becoming morecommon in China. Banks and other financial institutions are encouraging their customers tochange the way they buy things. Credit cards, otherwise known as “plastic money”, are beingoffered on very good terms to encourage the change. Consumers will be able to “buy now, paylater”, and many see this as an advantage.examda.com

　　But people need to be careful. There are dangers associated with credit cards. Some peoplefind it very easy to exceed their budget. They are tempted to purchase goods that they donot really need, and can become quickly overburdened by debt. The credit cards often charge ahigh rate of interest, which exacerbates the problems for these people.

　　However, used wisely credit cards can improve the quality of people’s lives. They can givepeople access to money to meet sudden unplanned expenses. Properly handled, they can letpeople control their expenditure and the monthly statements provide a record of where theirmoney has gone.