题目：Directions： For this part, you are allowed 30 minutes to write a short essay. You should start your essay with a brief description of the picture and then express your views on the importance of personal credit. You should write at least 120 words but no more than180 words.
How did you handle it when your kid asked you that embarrassing question, “Daddy, what's your credit score?”
范文：On the Importance of Personal Credit
A thought-provoking question is raised in the picture that how we handle the embarrassing question when our kids ask us about our credit score if we have a bad credit report. With the popularity of credit card in modern society, we must pay high attention to our personal credit to avoid such an embarrassing question.
Firstly, personal credit report is a mirror of our honesty and credibility, which is of great significance for us to gain a foothold in society since nobody will believe a liar. Secondly, we should set a good example for our children. As the famous saying goes, there is no job more important than parenting. Paying off the credit card on time is a living example to teach our kids how to be a responsible man. In addition, a good credit record could bring us some benefits and convenience, such as an efficient loan when we are in need.
A small credit card mirrors a big world. Never belittle your personal credit because it really matters.