信用卡的利弊

　　Credit Cards

　　Personal credit cards are becoming more common in China. Banksand other financial institutions are encouraging their customers to change theway they buy things. Credit cards, otherwise known as plastic money ， arebeing offered on very good terms to encourage the change. Consumers will beable to buy now, pay later ， and many see this as an advantage。

　　But people need to be careful. There are dangersassociated with credit cards. Some people find it very easy to exceed theirbudget. They are tempted to purchase goods that they do not really need, andcan become quickly overburdened by debt. The credit cards often charge a highrate of interest, which exacerbates the problems for these people。

　　However, wisely used credit cards can improve the qualityof people s lives. They can give people access to money to meet suddenunplanned expenses. Properly handled, they can let people control theirexpenditure and the monthly statements provide a record of where their moneyhas gone。