英语写作信用卡的利弊

1. 信用卡低龄的缺点英语作文

You can consider applying for a secured credit card if you have a bad credit history or no credit history and you are willing to establish your credit. It is not easy to obtain an unsecured credit card for those with their spoiled credit rating or for someone who hasn’ yet established a credit history. Lenders hesitate to take the chance on any person who has not got a flawless credit history.
A secured credit card is almost similar to an unsecured credit card and usually it offers the same security and charging advantages. The only difference is that in order to obtain a secured credit card you have to pay a deposit of security to the credit card company having amounts similar to your credit line. With this the company assures that they will get their money back even if you turn out to be a bad credit risk.Secured credit cards works almost same as bank debit cards, the exception is that the money spent cannot be withdrawn immediately and the user has to make payments on monthly basis. They also resembles to ‘prepaid’ credit cards, in which money must be paid first. Prepaid cards, however, are such cards that can be ‘loaded’ with any amount desired. Also, there are also fees which are dected every time when the funds are input.Some credit card companies might give you a limit that is a little above to your security deposit. Others may only offer a limit that is lower than your security deposit. If you have decided to have a secured credit card, shop around to find out the

2. 求一篇大学生使用信用卡利弊的英语作文

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。

3. 英语作文：大学生使用信用卡的利弊

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 “ 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 people’s 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.

4. 求一篇英语作文。题目是 （信用卡的利与弊） 要翻译

如今，信用卡消费已成为时下人们的生活习惯。的确，信用卡给消费者带来诸多的方便。但是也有人表示，信用卡并非传说中的那样安全，其弊端也有种种。使用信用卡的利与弊有哪些呢?
Now, the credit card consumption has become a popular lifestyle. Indeed, the credit card to bring a lot of convenience for consumers. But others said, credit card assecurity is not a legend, its malpractice also has all sorts of. The use of credit cards, what are the advantages and disadvantages?
信用卡的利：安全、便利、尊贵、实惠、不欠人情、干净卫生、能缓解经济压力、累积个人信用记录、培养理财意识、便于家庭理财教育。
Credit card interest: safety, convenience, noble, affordable, not owe, clean sanitation, can relieve the economic pressure, the accumulation of personal credit records, financial awareness, training for the family financial management ecation.
信用卡的弊：盲目消费、过度消费、利息高、需交年费、盗刷、影响个人信用记录。
Credit card fraud: blind consumption, excessive consumption, high interest,required to pay an annual fee, stolen brush, affect personal credit records.
信用卡卡友带来很多好处，但是也有一定的不利的方便，所以提醒各位卡友，在使用信用卡时，要规避信用卡的弊端，合理掌握信用卡的使用。
Credit card you bring many benefits, but also have certain unfavorable convenient,so remind card, in the use of credit cards, to avoid the abuse of credit card, a reasonable grasp the use of credit cards.

5. 求一篇英语作文 信用卡的利与弊 在线等 谢谢

You can consider applying for a secured credit card if you have a bad credit history or no credit history and you are willing to establish your credit. It is not easy to obtain an unsecured credit card for those with their spoiled credit rating or for someone who hasn’t yet established a credit history. Lenders hesitate to take the chance on any person who has not got a flawless credit history.
A secured credit card is almost similar to an unsecured credit card and usually it offers the same security and charging advantages. The only difference is that in order to obtain a secured credit card you have to pay a deposit of security to the credit card company having amounts similar to your credit line. With this the company assures that they will get their money back even if you turn out to be a bad credit risk.Secured credit cards works almost same as bank debit cards, the exception is that the money spent cannot be withdrawn immediately and the user has to make payments on monthly basis. They also resembles to ‘prepaid’ credit cards, in which money must be paid first. Prepaid cards, however, are such cards that can be ‘loaded’ with any amount desired. Also, there are also fees which are dected every time when the funds are input.Some credit card companies might give you a limit that is a little above to your security deposit. Others may only offer a limit that is lower than your security deposit. If you have decided to have a secured credit card, shop around to find out the options that you prefer.You should have a secured credit card If you have got a poor credit history. If you are having delinquent student loans. If you have been separated from your spouse who was having a high debt ratio. If you have declared to be bankrupt. If you have faced a disruption in your employment or you might have recently started a new job. Advantages of Secured Credit Card: It helps you to establish credit even if you do not have a credit history. It helps you to re-establish your credit in both the cases whether if you have a bad credit or you have been declared bankrupt. It offers you a great security in times of emergency. It gives you many of the similar benefits that you may enjoy if you have an unsecured credit card. Disadvantages of Secured credit Card: For having a secured credit card you have to make a security deposit, the amount of which is usually equal or more than your credit limit.The funds that you have deposited are frozen until a time comes as your credit history is re-established.It may happen that you may not be reimbursed for the interest on your security deposit.Of course, you will not get a free lunch whenever you obtain and use a secured card. Due to the fact that the applicant is considering high risk, a higher APR is charged. This makes the monthly payments much harder than before, for this reason bad credit history is generated originally.In order to work around the dilemma, users should be very much sure, at least for the first year, to keep charged amounts comparatively low and make every possible effort to pay off almost all the amount e when the bill arrives to user.You have to keep in mind the word “almost all” means you have to try your level best to pay the entire amount e on you because one of the most effective ways to build good credit history is to make payments on time and pay some interest as well. Due to this your credit score will rise quickly. So if you use your secured credit card wisely and manage it effectively, soon you’ll be on the path to a good credit history.我也是从网上给你找的 不过看着挺好的

6. 信用卡的利弊的英语作文 简单就行

What Are the Advantages of Business Credit Cards?

Easier to obtain than lines of credit, these cards can help
the small business owner conserve cash while still buying the equipment and supplies needed to keep the business moving forward. Surveys report that more than 65 percent of small businesses now have credit cards, and this number continues to rise. Of course, not unlike personal credit cards, the same warnings hold true: Business credit cards must be used cautiously and only for the sake of the business.

Although business credit cards typically carry an annual fee, it is usually rather nominal. A number of advantages are evident in such business credit cards, including:
Another advantage of a business credit card is that by using it, you are demonstrating the growth of business while promoting it at the same time. Even someone running a home-based business gains more credibility when flashing a business credit card.

7. 求一篇有关信用卡的英语作文，急！

英文作文，20分？
累不！！

8. 急需两篇关于信用卡的好处的英语作文

Credit cards have had bad press over the past few months of the credit crunch they only cause more debt and have unfair rates of interest. . However, if a credit card is used in the correct way and you keep up with your payments, they can be very valuable in many aspects.

One of the most beneficial aspects of having a credit card is that it can help you to increase your credit score. If you have little borrowing experience, taking out a credit card helps to convey to other creditors that you are a responsible and reliable borrower.

Another benefit of owning a credit card is that it can be easier to buy things. Some companies, such as those in the travel sector like hotels, airlines and car rental companies prefer payment by credit card, and some do not accept cash payments at all. As well as this convenience, many card companies give insurance on large purchases. An example of this is when airline XL went bust in September,
A more obvious benefit of a credit card, and one of the main reasons people apply for a credit card, is that you have access to money ring emergencies. If you resist the temptation of spending the money on your credit card, you are left with a good sum of money to use when you most need it. You only pay interest on purchases or on cash withdrawals, so keeping a credit card at home (where you won't be able to spend on it) can be very valuable.

第二篇，
What Are the Advantages of Business Credit Cards?

Easier to obtain than lines of credit, these cards can help
the small business owner conserve cash while still buying the equipment and supplies needed to keep the business moving forward. Surveys report that more than 65 percent of small businesses now have credit cards, and this number continues to rise. Of course, not unlike personal credit cards, the same warnings hold true: Business credit cards must be used cautiously and only for the sake of the business.

Although business credit cards typically carry an annual fee, it is usually rather nominal. A number of advantages are evident in such business credit cards, including:
Another advantage of a business credit card is that by using it, you are demonstrating the growth of business while promoting it at the same time. Even someone running a home-based business gains more credibility when flashing a business credit card.