12月四级英语800字篇3

At present, a wide ofcredit cards issued by major banks and shopping malls are thriving in collegesand universities across the nation, with a multitude of college students makingup a growing population of card holders. Indeed, one out of five students isestimated to be in possession of at least one credit card, and the figure isexpected to be on the steady , thelatest data published by Yangtze Evening Post suggests.

Like anything prior tothe emergence of this small piece of plastic, the increasing popularity ofcredit card on campus has both bright and dark sides. On the one hand, youngadults in college, free from the trouble of pocketing a considerable sum ofcash, could enjoy the convenience of credit cards and purchase expensive goodsby installments. On the other hand, however, the irresponsible and excessiveuse of the cards by these youngsters, the majority of whom are fresh out ofmiddle school incapable of budgeting their money, can make them heavily in debtwhich will take them years to pay off.

On my personal level,while enjoying a host of conveniences the credit card may bring, we couldntafford to ignore a fact: in most cases,parents are our sole financial sources.Instead of spending without anyrestrict, we are supposed to put studies on the top of our agenda and moveourselves beyond heavy dependence upon our parents.