专四作文范文

Will Credit Cards Bring Harm to theStudents?

Recently, in order to extend business touniversity campus, some banks offer credit cards to college students. Manypeople worry that credit cards may do harm to students, while others don'tthink so. In my opinion,credit cards are good for students if they are usedappropriately.

First, when a student uses credit cards, heneedn't bring much cash with him every day. And the less cash he brings, theless he needs to worry about being stolen. Second, using credit cards canminimize the chancesof receiving forged notes. Students are not quite good atdistinguishing forged notes, and thus often become victims of coiners. If theyuse credit cards, it will be very possible for them to avoid receiving forgednotes because they don't need to get the changes. Third, using credit cards canhelp students to know more about "credit". If they don't repay theircredit account in time, they will have to pay more interests and what's worse,they will get a bad credit record which will bring inconvenience to them in thefuture.

Therefore, I believe that credit cards willnot bring harm to students if used reasonably.