信用卡该用还是不该用的作文怎么写 有利方面： 1、在遇到一些大项必需支出时，可以给你足够的时间，比如说装修、买大型家电，在不啃老的情况下，以我的收入可能会卡壳（买房后之前的积蓄已经没了），所以利用好银行的免息期，可以很好的帮你缓解压力。比如说你的还款日是10号，账单日实在22日，那么如果你在22日买东西，就可以用下个月和下下个月的工资换钱。 2、可以享受一些优惠政策，比如说像我，加油是每月的必需项目（在郊区上班），如果你确实信用卡可以帮助你在这些必需消费上给你优惠的话，还是比较划算的。比如去年我在加油一项就享受了300多块的回馈金， 3、利用免息期给你的现金理财腾出时间。比如说，你用信用卡刷卡，把刷卡金额同等的钱放到余额宝，到换的时候再取出来。到时候，多出来的收益就是你的了。 不利方面： 1、会让你对花钱数额没概念，产生不必要的消费。能多时候，当你掏现金时，会产生心痛的感觉，既是用网银现金付款，看到数额减少，你还是会心疼的。但当你刷卡，还不用马上还，你就没有这个感觉了。刷卡一时爽，还贷时就生不如死了啊。很多人因此会出现刷卡太多，现金没了，现金没了只能刷卡的恶性循环，成为了卡奴。 2、很多优惠政策是会被取消的，比如说我那张卡，本来加油无论消费多少都可以返现，但是一年后必须除了加油外消费满1000才能返现了。我就觉得这张卡真是鸡肋啊。很多商家和信用卡银行的合作期限都是不固定的，所以不要因为某些商家优惠就急着办卡。 结论： 1、信用卡用得好的人必须在花钱上要有较强的自控能力，如果你是月光族，千万，千万别办卡。 2、随时记账很重要，尤其是用信用卡之后，因为本来所有东西都是现金支出的，你对花钱数量有概念，有信用卡之后很容易没概念，所以养成记账好习惯。 3、控制卡的数量，年费标准，利率，账单日，还款日千万别忘记，一旦产生不良信用记录，拿房贷很麻烦啊！ 求一篇原创的（大学生用信用卡）的英语作文 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 “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. 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.
I would like to make the payment for the conference by □ Visa □ American Express □ Master Card （payment by Credit Cards will be charged in RMB and 4% service fee more will be charged by banks from your card）
I consent to the Center for International Scientific Exchanges， CAS debiting my credit card account with the amount of US$ [ ] and the Bank of China is to charge 4% service fee in addition to this amount. I have also sent a clear copy of both sides of the credit card to you along with this form.
签名： [ ] （应和信用卡上名字一致）
Signature： [ ] （should be the same with that on the card）
日期：
Date
注：
以上是由[ ]博士支付Note：
The payment above is made for Dr. [ ]
通讯地址：[ ]女士
国际科学交流中心，CAS
ICEC20秘书处
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传真：[ ]
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