Directions：For this part，you are allowed 30 minutes to write a composition on the topic Credit Cards on Campus. You should write at least 150 words，and base your composition on the outline (given in Chinese) below:

1)近年來越來越多大學(xué)生開始使用信用卡

2)分析產(chǎn)生該現(xiàn)象因素

3)針對大學(xué)生使用信用卡提出你建議

Credit Cards on Campus

In recent years，credit cards have gained more popularity among college students. With banks’ more focus on college market，an increasing number of college students have applied for credit cards and begun to consume by them.

The following three factors can account for the popularity of credit cards on campus. Firstly，a credit card provides overdrawing service，which is a big attraction for those students who have not much money for their domination. Secondly，a credit card can help release financial burdens on those poor students，and hence reduce the risk of their dropping school for lacking money. Besides，many banks make some preferential policies on credit cards，like sending a gift，lowering year cost. Drawn by these policies，many college students have applied for credit cards.

As far as I am concerned，it is not a bad thing for college students to own credit cards. However，there is misuse of credit cards among college students. Many students use credit cards to buy luxurious things they don’t need really，and even some of them owe a big credit card debt. Therefore，schools and banks have responsibility to let college students learn how to use credit cards properly. Only in this way can college students enjoy really the advantages of credit cards.

校園里的信用卡

近幾年來，信用卡在大學(xué)生中越來越受歡迎。隨著銀行對大學(xué)生市場的重視，越來越多的大學(xué)生申請了信用卡并開始使用信用卡消費。

以下三個因素可以解釋信用卡在校園里的流行。首先，信用卡提供透支服務(wù)，這對那些沒有多少錢的學(xué)生來說是一個很大的吸引力。其次，信用卡可以幫助那些貧困學(xué)生減輕經(jīng)濟負擔(dān)，從而減少他們因缺錢而輟學(xué)的風(fēng)險。此外，許多銀行對信用卡有一些優(yōu)惠政策，如送禮物，降低年費。在這些政策的吸引下，很多大學(xué)生都申請了信用卡。

在我看來，大學(xué)生擁有信用卡并不是一件壞事。但是，在大學(xué)生中存在著濫用信用卡的現(xiàn)象。許多學(xué)生用信用卡購買他們并不真正需要的奢侈品，甚至有些人還欠下一大筆信用卡債務(wù)。因此，學(xué)校和銀行有責(zé)任讓大學(xué)生學(xué)會如何正確使用信用卡。只有這樣，大學(xué)生們才能真正享受到信用卡的好處。

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