credit card on campus

At present, a wide vareity of credit cards issued by major banks and shopping malls are thriving in colleges and universities across the nation, with a multitude of college students making up a growing population of card holders. Indeed, one out of five students is estimated to be in possession of at least one credit card, and the figure is expected to be on the steady increse, the latest data published by Yangtze Evening Post suggests.

Like anything prior to the emergence of this small piece of plastic, the increasing popularity of credit card on campus has both bright and dark sides. On the one hand, young adults in college, free from the trouble of pocketing a considerable sum of cash, could enjoy the convenience of credit cards and purchase expensive goods by installments. On the other hand, however, the irresponsible and excessive use of the cards by these youngsters, the majority of whom are fresh out of middle school incapable of budgeting their money, can make them heavily in debt which will take them years to pay off.

On my personal level, while enjoying a host of conveniences the credit card may bring, we couldn’t afford to ignore a conspicious fact: in most cases, parents are our sole financial sources. Instead of spending without any restrict, we are supposed to put studies on the top of our agenda and move ourselves beyond heavy dependence upon our parents

目前，各大银行发行的信用卡和商场vareity全国各地的高校和大学蓬勃发展，与众多高校的卡持有人的人口不断增加的学生。事实上，一个五年级学生，估计是拥有至少一张信用卡，这一数字预计将稳定量体裁衣，扬子晚报最新公布的数据显示。

像什么之前，这个小塑料片的出现，增加信用卡在校园的普及有光明和黑暗的两面。一方面，年轻的成年人，在大学里，自由从扒窃一笔可观的现金的麻烦，可享受信用卡的便利，并通过分期付款购买昂贵的商品。然而，另一方面，不负责任和过度使用这些青少年卡，其中大部分是新鲜的，中学不能预算自己的钱，可以让他们的债务巨资将他们年还清。

对我个人的水平，同时享受信用卡可能带来的便利的主机，我们可以买不起忽略conspicious 的事实：在大多数情况下，父母是我们唯一的资金来源。而不是没有任何限制的开支，我们应该把我们的首要研究后，我们的父母的严重依赖，超越自己

credit card on campus

Personal credit cards are becoming more common in China. Banks and other financial institutions are encouraging college students 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 college students 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 college students .

However，used wisely credit cards can improve the quality of college students’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.

个人信用卡在中国变得越来越普遍。银行及其他金融机构，鼓励大学生改变他们买东西的方式。信用卡，否则称为“塑料货币”，正在提供很好的条件，以鼓励改变。消费者将能够“现在买，后付款”，许多人认为的优势。

但是，大学生要小心。有与信用卡相关的危险。有些人觉得它很容易超过他们的预算。他们想购买商品，他们并不真正需要，并能迅速成为债务负担过重。信用卡收取率很高的兴趣，这加剧了大学生的问题。

然而，明智地使用信用卡，可以提高大学生的生活质量。他们可以给人们获取金钱，以应付突发的意外开支。妥善处理，他们可以让人们控制自己的支出和每月报表提供了一个记录了他们的钱哪里。