2014-2015(1) 第一次大作文练习

Write on ANSWER SHEET THREE a composition of about 200 words on the following topic: Will Credit Cards Bring Harm to the Students? You are to write in three parts.

In the first part, state specifically what your opinion is.

In the second part, support your opinion with appropriate details.

In the last part, bring what you have written to a natural conclusion or a summary.

Marks will be awarded for content, organization, grammar and appropriateness. Failure to follow the

instructions may result in a loss of marks.

学生范文

Will Credit Cards Bring Harm to the Students?

With the development of society, the standard of life changes as well. (有木有嗅到模板的气息？) Credit cards are widely used all over the world. And recently some banks even want to offer credit cards to students. Some people believe that credit cards will bring harm to students, while others have opposite views. From my perspective, credit cards are bad for us students. (59)

First of all, we don’t have the ability to pay back to banks. Students as we are, we are still financially dependent on our parents. Thus, we ought not to give more financial pressure to parents. (36)

In addition, credit cards make us spend much money than those unnecessary goods. For instance, we often meet something useless that we are really keen on. If we don’t have money, we will not buy it. But with the aid of credit cards, we won’t hesitate to take them but we may regret doing so. (55)

Most important of all, credit cards make us form bad habits of no limitation on money. We may buy whatever we like regardless of its price, and it’s really a waste of money. (33)

By and large, credit cards are not suitable for students to use, for they will bring much harm to us students. We should form a good habit of saving money and I also hope that all of us, no matter how much you can earn, use credit cards as little as possible. (52)

(253 words)

教师修改版(论证方法之 因果扩展法)

Will Credit Cards Bring Harm to the Students?

With the development of society, the standard of life changes as well. Credit cards are widely used all over the world. And recently some banks even want to offer credit cards to students. Some people believe that credit cards will bring harm to students, while others have opposite views. From my perspective, credit cards are bad for us students. (59)

Nowadays, with banks extending business to campus, it is not unusual for students to have credit cards. It is worried that this might bring harms to college students. I agree that credit cards may bring more disadvantages to college students, causing excessive consumption habit and more financial pressure on parents. (47)

First of all, we don’t have the ability to pay back to banks. Students as we are, we are still financially dependent on our parents. Thus, we ought not to give more financial pressure to parents. (36)

In addition, credit cards make us spend much money than those unnecessary goods. For instance, we often meet something useless that we are really keen on. If we don’t have money, we will not buy it. But with the aid of credit cards, we won’t hesitate to take them but we may regret doing so. (55)

Most important of all, credit cards make us form bad habits of no limitation on money. We may buy whatever we like regardless of its price, and it’s really a waste of money. (33)

For the first place, since credit cards owners can have an over-draft, this may lead to excessive consumption. An overdraft means students can buy anything they want by borrowing money from the banks, and returning it back with interests next month. As a result, for those who lack of self -control, excessive consumption is inevitable and disastrous. (53)

For the second place, it is our parents who are responsible to pay for us. Imagine that if we do have some irrational shopping habits, and for those who are still financially dependent on their parents, it would be a huge financial pressure to the family. It would a shame to ask parents for more than they can give. (59)

By and large, credit cards are not suitable for students to use, for they will bring much harm to us students. We should form a good habit of saving money and I also hope that all of us, no matter how much you can earn, use credit cards as little as possible. (52)

By and large, if we use credit cards unreasonably, not only can it result in excessive consuming habits, but also put more pressure on the shoulders of our parents. So please don’t let credit cards slave us and corrupt us, we should be the master, not the other way around. (51) Vocabulary Building: 借记卡: debit card (借记卡和信用卡的区别？) 超前消费/透支消费: excessive consumption 透支（n.）: overdraft 现金/信用卡支付: pay by cash/credit card 分期付款: pay by instalments/ make payment over several months 消费超出自己的能力: charge more than you can pay for 理性消费: rational consumption