粉色小恶魔yiyi
以下主要从信用卡使用后的影响上面来谈论利与弊，要点包括了过度消费危害和信用卡折扣等，具体如下：
Disadvantages of credit card use: it is easy for people to overspend. Once the money becomes digital, when we spend it, it is often more generous than spending money. Poor control will cause you to make ends meet; if you don't make repayments on time, high interest will be generated and your credit history will also be affected. Will increase the financial burden and the inconvenience of future personal loans.
信用卡使用弊端：容易让人过度消费，一旦钱变成了数字，我们花的时候，往往比花钞票更大方。控制不好，会造成入不敷出；如果没有按时还款，会产生高额的利息，还会影响你的信用记录。会增加经济负担和以后个人贷款的不便。
If a credit card is not swiped enough times every year, an annual fee will be incurred, and credit card withdrawals will be charged a handling fee.
信用卡如果每年刷不够次数会产生年费，信用卡提现是要收手续费的。
Credit card is good: when you use a credit card, you can enjoy discounts from partner merchants, such as Starbucks and other food discounts launched by China Merchants Bank; credit cards are safer, and general credit card withdrawals have a certain limit, such as Bank of Communications is 50% of your opening limit . There is no danger of having a password. Even if the password is lost, the loss is within a certain range.
信用卡好的地方：用信用卡消费，可以享受到合作商户给的折扣，比如招行推出的星巴克等美食折扣等；信用卡更安全，一般信用卡取现是有一定额度的，比如交行是你开通额度的50%。有密码一般不会有危险，即便丢失被破解密码，损失也在一定的范围内。
Credit cards can temporarily alleviate economic difficulties. For some people who have short-term financial difficulties, it is tantamount to sending charcoal in the snow. After all, there is no need to put down money and borrow money from others; a good credit history has certain convenience for applying for loans in the future. Get a higher loan amount.
信用卡可以暂时缓解经济困难，对于一些短时经济有困难的人，无异于雪中送炭，毕竟不用放下面子，向别人借钱；良好的信用记录，对以后申请贷款有一定的便利，有可能会获得更高额度的贷款。
一心跟着习大大
My View on Over-ConsumptionSome people are in favor of the idea of over—consumption. They point out the fact thatChina's rapid economic development has materially enriched the lives of ordinary Chinesepeople, and at the same time increased our demands as consumers. They also argue that therising consumption helps drive economic growth.However, other people stand on a different ground. They consider it harmful to consumemore than what their family can afford. They firmly point out that the dogged pursuit for moreaccounts for our debts, anxiety, waste and overload. An example can back up this arguement:The American financial crisis caused by over consumption made the people of the world worseoff.There is some truth in both arguements. But I think the disadvantages of over-consumption outweigh the advantages. In addition to the above-mentioned negative effects,the surging consuming demand threatens to exhaust our resources and spoil ourenvironment.To conclude, our government is advocating ideas of "conservation-minded society" andsustainable development. Whether due to sense of guilt about waste, or a simple desire tosave money, we need to promote sustainable consumption.
小铃铛MISS
Around the compus, we can commonly see some college students wear branded clothes, using the most advanced appliances such as Ipod, Iphone and Ipad. In spite of where the money comes from, I absolutely oppose the view that college students consume luxuries. As far as I am concerned, we should advocate rational consumption among college students. As follows, I will share some suggestions. Above all, college students should have access to earning pocket money. This is a priority. Most college students, who have already asked their parents to pay their fee, should take responsibility to afford their daily consumption, let alone luxurious consumption. In addition, it is necessity, rather than luxury, that counts. Seeing other students buying luxiry, some students are jealous and would like to buy one themselves. This is what we call irrational consumption. Last but not least, keep a balance table each month. If you have fancy dinner this week, then you are supposed to cut down the cost next week. Also, you can set up some bonus plan for yourself. If you spend less than, say, 500 yuan per month, then you can allow yourself a 200 yuan luxury consumption next week. The amount varies as to how much you earn and how much you have. In a word, it is beneficial to carry rational consumption among college students.
诗酒趁年少r
I think it is necessary for a university student to have a correct idea of consumption.First，consumption according to our own needs, but also to suit our needs.Second,consumption should be independent, not to repeat word for word what others say, do not follow the crowd, what head.
Third，consumption should be coordinated, not only heavy material consumption and ignore the spiritual consumption.Fourth,consumer spending should be with their income to adapt and moderate consumption.At last ,we need to avoid the blindness and rational consumption.If we do that, we will have a correct view of consumption.
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