四级考试作文的预测：第14篇

　　Credit Cards. You should write at least 120 words following the outline given below in Chinese:

　　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 peoples 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.

　　点评：这是一篇议论文， 关于信用卡的利弊。可以分成三部分： 第一部分，信用卡的好处，比如说应急等;第二部分，信用卡的一些弊端，比如说鼓励一些无用的消费;第三部分：你自己的观点，理性使用。