關於信用卡的英語作文

1. 求一篇大學生使用信用卡利弊的英語作文

以下主要從信用卡使用後的影響上面來談論利與弊，要點包括了過度消費危害和信用卡折扣等，具體如下：

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：容易讓人過度消費，一旦錢變成了數字，我們花的時候，往往比花鈔票更大方。控制不好，會造成入不敷出；如果沒有按時還款，會產生高額的利息，還會影響你的信用記錄。會增加經濟負擔和以後個人貸款的不便。

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夠次數會產生年費，信用卡提現是要收手續費的。

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：用信用卡消費，可以享受到合作商戶給的折扣，比如招行推出的星巴克等美食折扣等；信用卡更安全，一般信用卡取現是有一定額度的，比如交行是你開通額度的50%。有密碼一般不會有危險，即便丟失被破解密碼，損失也在一定的范圍內。

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.

信用卡可以暫時緩解經濟困難，對於一些短時經濟有困難的人，無異於雪中送炭，畢竟不用放下面子，向別人借錢；良好的信用記錄，對以後申請貸款有一定的便利，有可能會獲得更高額度的貸款。

2. 如何寫一篇關於信用卡在生活中的重要性的英語作文

The Advantages and Disadvantages of Credit Card

關於信用卡優缺點

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, known as 「plastic 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.

個人信用卡在中國變得越來越普遍。銀行和其他金融機構都鼓勵他們的客戶改變買東西的方式。信用卡，稱為「塑料錢」，正在提供非常良好的條件來鼓勵改變。消費者將能夠享受「先購買，後付款」，很多人認為這是一個優勢。

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.

但人們要小心。信用卡伴隨危險。有些人發現很容易超過自己的預算。他們試圖購買他們並不真正需要的商品，並迅速由於債務負擔過重。信用卡往往收取較高的利率，這加劇了這些問題。

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.

但是，理性的使用信用卡可以提高人們的生活質量。他們可以得到錢來付突然的，意料之外的費用。處理得當，它們可以讓人們控制他們每月的支出和記錄下他們的每個月所花的錢的報表。

3. 求一篇有關信用卡的英語作文，急！

英文作文，20分？
累不！！

4. 一篇關於信用卡的英文文章

Credit Card Cash Advance Pitfalls
Credit card cash advances can provide consumers with convenient and instant access to "cold cash" in times of financial need, but cash advances should be avoided if at all possible. Informed consumers realize that cash advances are typically accompanied by fees and exorbitant interest rates (there is also no grace periodfor cash advances). Moreover, cash advances can be a major stumbling block for consumers seeking debt relief. We hope the following tips help consumers avoid the pitfalls associated with cash advances.

* Fees for cash advances vary, but fees can be very costly. Fees are computed using two calculation methods. Many card issuers calculate fees on a percentage basis, which typically ranges from 1% to 4%. Other issuers charge "flat fees" for advances. "Flat fees" are not based on the amount of the advance and, therefore, are always the same.

An increasing trend is to combine both calculation methods. Combining calculation methods results in higher cash advance fees. An example of this would be an issuer that charges x% for an advance, but charges a minimum of $10 regardless of the amount of the advance. Another example would be an issuer that charges x% for an advance or $20, whichever is greater. Read the terms of your card agreement carefully. Fee calculation can get tricky.

A few issuers do not charge any fees at all. This is very rare, though.

Finally, if you must get an advance, avoid using ATM machines. ATMs charge an additional fee for advances. This fee is charged by the financial institution that owns the ATM.

* Often the greatest potential pitfall for consumers who decide to get a cash advance involves finance or interest charges. The interest rate for cash advances is often several points higher than the normal purchase interest rate (the rate that is associated with everyday card purchases). Cash advance rates normally range from 20% to 25%. In contrast, the average purchase rate for a standard credit card ranges from 15.88% to 17.30% according to. However, a few issuers charge the same rate for both purchases and cash advances "Low Rate Report" for more info).

Other finance charge pitfalls involve grace periods and the payment method that a card issuer utilizes. Cash advances begin accruing interest immediately and, therefore, are not subject to a grace period. Thus, even if you pay your card balance in full when your bill arrives, you will still be accessed a finance charge for any advances.

A similar pitfall involves the manner in which payments are applied to your account. Most issuers apply payments to card purchases before they apply payments to cash advances (i.e. payments are first applied to purchases). If you carry a balance on your card, this can result in your a dramatic increase in your finance charges and overall interest rate.

* Please be aware that any "credit card checks" that you receive in the mail are usually treated as cash advances! Card issuers often tout such checks as an easy way to pay off the bill of your choice or to acquire some extra spending money. While using a check may be convenient, it can be extremely costly. Many balance transfers are also treated as cash advances.

* Dependency on cash advances can be an outward sign of serious debt problems. Consumers that regularly rely on advances to "make ends meet" urgently need debt counseling. Cash advances are so tempting that some cardholders fall victim to the "cash advance trap" and find themselves caught in a vicious cycle. If this statement applies to you or someone you know, please consult CardRating.com's "Get Debt Relief" section for a list of helpful resources

5. 以信用卡為題目,寫一篇英語作文

過年了,我拿著大人們剛給的壓歲錢,心裡美滋滋的.在一旁的爸爸嘖嘖贊嘆道:「真羨慕你呀,光壓歲錢就有好幾百元,我們小時候能有一兩塊錢就不錯了!」「啊?不.你們那時也太窮、太苦了吧!真慶幸我沒有出生在那個年代啊!」我嘴上這樣說,心裡卻產生了想和爸爸比童年的念頭.經過和爸爸、媽媽協商,決定在下午進行一次采訪活動. 下午,我戴上墨鏡,穿上媽媽的高跟鞋,塗上口紅,打扮成一副小記者的模樣,准備對爸爸進行采訪. 「爸爸,聽說您小時候吃的不好,是嗎?」 「是呀,我小時候的環境根本不像現在這樣,別說那時沒有錢,就是有錢也買不到東西,平時能夠吃飽就不錯了.只有生病時,你的爺爺奶奶才給我買點好吃的,比如水果罐頭,現在敞譏搬客植九邦循鮑末想起來還是回味無窮.」 「罐頭有什麼好吃的,裡面還有防腐劑,吃多了對人體不好,讓我吃我還不吃呢!」 「 你不知道,爸爸小時候,我們的國家還很困難,那時有許多小朋友連飯還吃不飽呢,別說吃罐頭了,對一般家庭來說,罐頭是一種奢侈品,平時是吃不到的,所以爸爸小時候有時想,生病多好呀,生病就能吃到罐頭了.」 「是

6. 英語作文 如何使用信用卡

As mentioned in an early article, there are two types of credit cards: secured and unsecured. This article will explore some of the issues of secured credit cards.

What is a secured credit card?

A secured card is a credit card that requires you to deposit a certain amount of money into a savings account, money market account, or certificate of deposit. The minimum amount usually ranges between $200 and $500 but this will vary from one company to another. Your deposit is considered your security and some card issuers will even allow the deposit to earn interest.

The amount that you deposit into the account is your credit limit. You should understand that sometimes the limit will be for the full amount that you put into the account but with some companies your limit may be a percentage of the total amount that you deposited.

A secured credit card is not a debit card. This is important to understand because if full payments are not made each month, interest will be charged on the outstanding balance.

Who should consider using secured credit cards?

If you have no credit history at all, using a secured credit card can be a good way to begin establishing your credit. Many young people who are just starting out may choose this as an option.

If you have bad credit, you may wish to use a secured credit card to help you improve your credit score. In addition, a secured credit card may be the only source you will have for obtaining a credit card. There are some transactions that require the use of a credit card. This might include car rentals or hotel reservations. If you need to make those types of transactions and cannot get an unsecured credit card, this might be the only way you can get a true credit card.

What to look for in a secured credit card:

Interest Rate: Do not be fooled into thinking that because you have no credit history or a bad credit report that you have to settle for exorbitant interest rates. Make it a point to shop around for the lowest rates that you qualify for before you apply for a secured credit card.

Fees: Pay close attention to any fees that will be charged to you or to your account once it is opened. There are some companies that will charge ridiculously high fees that will rece your initial deposit before you even use the card. Stay away from those companies. Look for companies that have no fees whatsoever or for those companies that charge a small one-time fee to set up the account. Annual fees for attractive secured cards typically range from $20-$35.

Scams: It is sad to say that there are companies out there who are in the business of ripping people off. They prey on the vulnerability of those who may be in a credit crunch. Some of the things they do include promises of getting you "quick credit" for a price. Another popular scam is to ask you to call a 900 phone number for "secrets" to getting a credit card or credit repair. Your phone company will charge you a high rate for using a 900 number and you never get the information that was offered.

The best advice to avoid secured credit card scams is that if it sounds too good to be true it is. Use your common sense and do not be taken by these crooks.

Credit Improvement Issues: Even with a very good payment history on your secured card it can takes many months before you begin to see improvement in your credit record. You have to be patient when repairing bad credit. You also have to be smart. Make sure that the company that issues the secured credit card to you will report your good payment history to the three big credit reporting agencies. Not all companies report and if they do not report you are simply wasting your time.

Keep in mind that they will also report your bad payment history if you do not pay on time. Be careful and make your payments on time each and every month.

7. 求一篇英語作文。題目是 （信用卡的利與弊） 要翻譯

如今，信用卡消費已成為時下人們的生活習慣。的確，信用卡給消費者帶來諸多的方便。但是也有人表示，信用卡並非傳說中的那樣安全，其弊端也有種種。使用信用卡的利與弊有哪些呢?
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、尊貴、實惠、不欠人情、干凈衛生、能緩解經濟壓力、累積個人信用記錄、培養理財意識、便於家庭理財教育。
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：盲目消費、過度消費、利息高、需交年費、盜刷、影響個人信用記錄。
Credit card fraud: blind consumption, excessive consumption, high interest,required to pay an annual fee, stolen brush, affect personal credit records.
信用卡卡友帶來很多好處，但是也有一定的不利的方便，所以提醒各位卡友，在使用信用卡時，要規避信用卡的弊端，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.