❶ 英語四級作文範文（兩篇）
Credit Cards
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.
❷ 英語四級作文範文
The Positive and Negative Aspects of Sports
1.體育運動的好處.
2.體育運動可能帶來的副作用.
3.我參加體育運動的體會.
範文：
To a Chinese, the task of learning English well is not easy. So I, like many other English learners, have met with difficulties in learning English ring the past seven years. But I managed to overcome them and made much progress.
The spelling and meaning of words can be said to be the first difficulty I met as a beginner. But I found our my own way to deal with them. As to spelling, I never copied a new work again and again to remember it, but tried to find its relevance to the sound. In fact, as long as I can read the word out, I can write it out. As to the meaning, I rarely recite its Chinese translation but often put the word into the sentence to learn its meaning. Moreover, if you use a word quite often, its spelling and meaning will be no problem. After all, we are learning English in order to use it.
Grammar and idioms may be another difficulty. But I have also got over it. I have not read lots of grammar books. But I spent much time reading the articles written by native speakers or specialists in English. By doing so, I came to gain 「a sense of English language」. I began to gain a feel for which sentences are 「good English」 and which are not.
Finally, I want to say that overcoming all these difficulties requires perseverance. In the past seven years I spent at least an hour on English each day. I believe this is an important reason why I am able to make progress in learning English.