在社会飞速发展的今天，信用卡已成为一种时尚的工具，被推荐并已广泛使用。只要你是成年人，有身份证及工作证，均可在各大银行办理信用卡。
Nowadays society progresses at full speed. Credit card becomes a tool of vogue, and is recommended to be used extensively. As long as you are an adult with ID card and employee’s card, you can transact credit card in every bank.
但是对于使用信用卡,用过的人各抒己见：
But for using credit card, people who had used card have different views:
正方:信用卡，可以先消费后还款，有免息期，有的还可以分期付款，轻松拥有心仪但有受囊中羞涩所困的物品，并且可以累积个人信用，参加银行的活动，获得一些银行额外的奖品，另外刷卡便可积分，兑换礼品。
Positive: Credit card have some functions, like consumption in advance and then repayment after, interest free term, installment payments, be possessed easily and solving problems. Plus, it can cumulate personal credit. You can join bank’s activities, getting some extra award. Besides, using credit card can accumulate the points to exchange the gifts.
反方:信用卡不一定有密码，卡片或者信用卡信息保管不善的话，有风险。它会造成人们盲目采购，好象花的不是自己的钱，当月潇洒完了，次月为还款所累.如果你还不是十分了解信用卡，就会造成一些莫名的金钱损失，比如利息，滞纳金，年费……不划算也感觉像在被人欺骗，另外如果不能及时还款，还会留下信用污点。
Opposition: it’s not necessary for credit card to have password absolutely. So, it is risky if not keeping the card’s information well. It will make people to purchase blindly, looks like the money is not theirs. Spending completely within one month, and becoming a burden by repaying next month. If you do not understand credit card very well, it will make you losing money, for example interest, overdue fine and annual fee. It isn’t worthy and makes you feel like being cheated. Additional, if you can’t repay in time, it will make you have bad record.
使用信用卡，是好还是坏呢？请与我们一起谈谈你的看法吧！
Using credit card is good or bad? Please express your opinions! |
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