英语四级作文话题预测及范文：大学生使用信用卡

　　On Credit Card

　　At present, a wide vareity of credit cards issued by major banks and shopping malls are thriving in colleges and universities across the nation, with a multitude of college students making up a growing population of card holders. Indeed, one out of five students is estimated to be in possession of at least one credit card, and the figure is expected to be on the steady increse, the latest data published by Yangtze Evening Post suggests。

　　Like anything prior to the emergence of this small piece of plastic, the increasing popularity of credit card on campus has both bright and dark sides. On the one hand, young adults in college, free from the trouble of pocketing a considerable sum of cash, could enjoy the convenience of credit cards and purchase expensive goods by installments. On the other hand, however, the irresponsible and excessive use of the cards by these youngsters, the majority of whom are fresh out of middle school incapable of budgeting their money, can make them heavily in debt which will take them years to pay off。

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