四六级

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　　A: Do you use any credit card in daily life?

　　B: Though I own one credit card issued by China Construction Bank, I rarely use it.

　　A: Why is that?

　　B: Because I don’t think it is wise to borrow money to cover living expenses. You pay things you need by credit card, you borrow money from the bank. And that is not borrowed to you without any condition. You use the money from the bank, you need to pay back the money more than you borrow. And if you fail to repay the debt on time, your individual credit would be damaged and that would exert bad impact on your social life.

　　A: I agree with you. We should stay aware of premature consumption and excessive consumption. Although various advertisers are advocating the idea of “consumption makes life better”, we should be alert to sliding into the opposite situation---bankruptcy.

　　B: Quite right, we need to regulate our consumption behavior and stay away from debt as far as possible.

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