关于信用卡的英语作文

1. 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。

2. 如何写一篇关于信用卡在生活中的重要性的英语作文

The Advantages and Disadvantages of Credit Card

关于信用卡优缺点

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.

个人信用卡在中国变得越来越普遍。银行和其他金融机构都鼓励他们的客户改变买东西的方式。信用卡，称为“塑料钱”，正在提供非常良好的条件来鼓励改变。消费者将能够享受“先购买，后付款”，很多人认为这是一个优势。

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.

但人们要小心。信用卡伴随危险。有些人发现很容易超过自己的预算。他们试图购买他们并不真正需要的商品，并迅速由于债务负担过重。信用卡往往收取较高的利率，这加剧了这些问题。

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们的生活质量。他们可以得到钱来付突然的，意料之外的费用。处理得当，它们可以让人们控制他们每月的支出和记录下他们的每个月所花的钱的报表。

3. 求一篇有关信用卡的英语作文，急！

英文作文，20分？
累不！！

4. 一篇关于信用卡的英文文章

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. 以信用卡为题目,写一篇英语作文

过年了,我拿着大人们刚给的压岁钱,心里美滋滋的.在一旁的爸爸啧啧赞叹道:“真羡慕你呀,光压岁钱就有好几百元,我们小时候能有一两块钱就不错了!”“啊?不.你们那时也太穷、太苦了吧!真庆幸我没有出生在那个年代啊!”我嘴上这样说,心里却产生了想和爸爸比童年的念头.经过和爸爸、妈妈协商,决定在下午进行一次采访活动. 下午,我戴上墨镜,穿上妈妈的高跟鞋,涂上口红,打扮成一副小记者的模样,准备对爸爸进行采访. “爸爸,听说您小时候吃的不好,是吗?” “是呀,我小时候的环境根本不像现在这样,别说那时没有钱,就是有钱也买不到东西,平时能够吃饱就不错了.只有生病时,你的爷爷奶奶才给我买点好吃的,比如水果罐头,现在敞讥搬客植九邦循鲍末想起来还是回味无穷.” “罐头有什么好吃的,里面还有防腐剂,吃多了对人体不好,让我吃我还不吃呢!” “ 你不知道,爸爸小时候,我们的国家还很困难,那时有许多小朋友连饭还吃不饱呢,别说吃罐头了,对一般家庭来说,罐头是一种奢侈品,平时是吃不到的,所以爸爸小时候有时想,生病多好呀,生病就能吃到罐头了.” “是

6. 英语作文 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.