Nowadays, credit cards have been increasingly popular on campus in that banks are growingly paying their attention to students and laying out various policies to cater for students’ need.

People hold different views towards students’ owning credit cards. As far as I am concerned, it should be cautious for students to keep credit cards.

如今，信用卡在大學校園中越來越流行了，因為銀行越來越關注大學生這一群體并制定各種政策來滿足學生的需求。對于大學生持有信用卡人們看法不一。就個人而言，我覺得大學生應該慎重考慮去辦理信用卡。

Students need to be calm and wise when applying for or using credit cards . There are latent risks associated with credit cards.

Some students find it quite 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.

And in the long run, this irresponsible and irrational consumption behavior will be impeditive for students to develop into a good consumption habit.

學生們在申請或者使用信用卡的時候要冷靜理智。信用卡本身伴隨著風險。

有些學生發現很容易超過自己的預算。他們常常情不自禁地就購買了他們并不真正需要的商品，并且很快變得負債累累。

信用卡往往收取較高的利率，無疑使得這一問題雪上加霜。

并且從長遠來看，這一不負責任、不理智的消費行為將有礙于學生養成一個良好的消費習慣。

On the other hand, when in emergency circumstances, credit cards will play its role and save you bother relatives or friends.

Credit cards can temporarily relieve your financial burden.

Minimum repayment or amortization is preferred alternative when you are strapped for cash.

當然，信用卡也有用武之地。遇到緊急情況時，信用卡可以給持卡人省去叨擾親戚或朋友的麻煩。

信用卡可暫時緩解你的經濟壓力。

按最低還款額或者分期還款，是個不錯的選擇，當你手頭不太寬裕的時候。

Nowadays, credit cards have been increasingly popular on campus in that banks are growingly paying their attention to students and laying out various policies to cater for students’ need.

People hold different views towards students’ owning credit cards. As far as I am concerned, it should be cautious for students to keep credit cards.

如今，信用卡在大學校園中越來越流行了，因為銀行越來越關注大學生這一群體并制定各種政策來滿足學生的需求。對于大學生持有信用卡人們看法不一。就個人而言，我覺得大學生應該慎重考慮去辦理信用卡。

Students need to be calm and wise when applying for or using credit cards . There are latent risks associated with credit cards.

Some students find it quite 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.

And in the long run, this irresponsible and irrational consumption behavior will be impeditive for students to develop into a good consumption habit.

學生們在申請或者使用信用卡的時候要冷靜理智。信用卡本身伴隨著風險。

有些學生發現很容易超過自己的預算。他們常常情不自禁地就購買了他們并不真正需要的商品，并且很快變得負債累累。

信用卡往往收取較高的利率，無疑使得這一問題雪上加霜。

并且從長遠來看，這一不負責任、不理智的消費行為將有礙于學生養成一個良好的消費習慣。

On the other hand, when in emergency circumstances, credit cards will play its role and save you bother relatives or friends.

Credit cards can temporarily relieve your financial burden.

Minimum repayment or amortization is preferred alternative when you are strapped for cash.

當然，信用卡也有用武之地。遇到緊急情況時，信用卡可以給持卡人省去叨擾親戚或朋友的麻煩。

信用卡可暫時緩解你的經濟壓力。

按最低還款額或者分期還款，是個不錯的選擇，當你手頭不太寬裕的時候。