2014考前冲刺必背写作万能模版：信用卡

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　　距离2014年硕士研究生考试还剩不到一个月的时间，同学们即将上战场的弓箭又拉紧了些，能否顺利步入自己理想的院校考研英语提分起着关键性的作用，太奇考研英语辅导专家邱瑾老师认为要想考研英语拿高分有必要冲刺收尾阶段紧抓写作部分，短期突击提分是有很大可能性的，邱老师整理了比较热点话题的万能写作模版希望能够帮助同学们取得高分。
        　　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
        　　Credit Cards
        　　Personal credit cards are becoming more common in China. Banks and other financial institutions are encouraging their customers to change the way they buy things. Credit cards, otherwise known as "plastic money", are being offered on very good terms to encourage the change. Consumers will be able to "buy now, pay later", and many see this as an advantage.
        　　But people need to be careful. There are dangers associated with credit cards. Some people find it very easy to exceed their budget. They are tempted to purchase goods that they do not really need, and can become quickly overburdened by debt. The credit cards often charge a high 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 give people access to money to meet sudden unplanned expenses. Properly handled, they can let people control their expenditure and the monthly statements provide a record of where their money has gone.