有關(guān)校園信用卡的英語(yǔ)作文(求一篇原創(chuàng)的大學(xué)生用信用卡的英語(yǔ)作文)

1.求一篇原創(chuàng)的（大學(xué)生用信用卡）的英語(yǔ)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.。

2.寫一篇關(guān)于“Credit card on campus”的英語(yǔ)作文

Nowadays more and more college students are using credit cards. It has become popular and everyone is trying it. The reason credit cards are popular is because the card user does not have to have money to purchase items, they can always pay back later when they get their salary. In my opinion, this is very dangerous because if the students can not pay their debt back to the bank they will go to jail and the banks may go bankrupt.。

3.關(guān)于信用卡的英語(yǔ)作文

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 reduce 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.。

4.求一篇有關(guān)信用卡的英語(yǔ)作文,急

如今，信用卡消費(fèi)已成為時(shí)下人們的生活習(xí)慣。的確，信用卡給消費(fèi)者帶來(lái)諸多的方便。但是也有人表示，信用卡并非傳說(shuō)中的那樣安全，其弊端也有種種。使用信用卡的利與弊有哪些呢？

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、尊貴、實(shí)惠、不欠人情、干凈衛(wèi)生、能緩解經(jīng)濟(jì)壓力、累積個(gè)人信用記錄、培養(yǎng)理財(cái)意識(shí)、便于家庭理財(cái)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 education.

信用卡的弊：盲目消費(fèi)、過(guò)度消費(fèi)、利息高、需交年費(fèi)、盜刷、影響個(gè)人信用記錄。

credit card fraud: blind consumption, excessive consumption, high interest,required to pay an annual fee, stolen brush, affect personal credit records.

信用卡卡友帶來(lái)很多好處，但是也有一定的不利的方便，所以提醒各位卡友，在使用信用卡時(shí)，要規(guī)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.

5.“On college student using credit cards”寫一篇英語(yǔ)作文

College student credit cards can be found everywhere on a campus. It's one of the simplest temptations for young people to fall victim to. All it takes is some information and a signature to get a wallet full of "money." So many students have found themselves deep in debt by the time they graduate. They have already compromised their future by injudicious use of college student credit cards. On the other hand, having this method of payment can mean the difference between making it through higher education and having to drop out. The secret to using college student credit cards is to create a plan and stick to it. The starting point, however, is choosing the right creditor and account.When applying for a college student credit card over the Internet, applicants will have the advantage of being able to compare interest rates and terms from different companies and finding the best deal. It is especially helpful to use a comparison website. These sites will let applicants search for a card with particular preferences then provide a list of links to cards that match. Here are some things to look for as far as preferences. Consumers need to know what the APR or the annual percentage rate is. That is the rate over the course of a year. It will be higher than the daily or monthly percentage rate. The APR is a good comparison figure.Cardholders also need to be aware if the company charges late fees for late payments on a college student credit card. It's important to know the amount of these fees as well. Compare the amount charged by each company. They will differ. Find out if the college student credit card interest will change if the cardholder sends in a late payment. Some companies will raise the interest rate if a payment is late. It's also necessary to know the interest rate the companies charge for a cash advance. That is an important figure if a cardholder plans to get cash at certain times."A good man sheweth favour, and lendeth: he will guide his affairs with discretion" (Psalm 112:5). Not everyone who lends does so out of good. Unfortunately, companies are just out to make a profit from lending. Young people need to learn this before getting into debt. College student credit cards can be a part of their financial education. How one manages credit cards now will establish a habit that will carry into work experience. Take time to sit down and plan the use of this payment method and keeping credit purchases to a minimum. This type of education is just as important as what is taught in the classroom. Cardholders need to take financial education as seriously as their career education.。

6.有關(guān)信用卡的英語(yǔ)短文

How To Stop Credit Card AbuseConsumer complaints about credit card abuse continues to increase despite clearly defined federal regulations meant to stop abuse. By knowing and understanding your rights, you can stop abuse. Let? examine four common methods of credit card company abuse and what you can do to stop the victimizing.1. My creditor is charging me for items I did not purchase. Examine your bill every month to make sure that what you are being charged is what you ordered. If there is something listed that does not belong to you, notify the credit card company in writing about the disputed item. Federal law requires you do this within sixty days of receiving your bill. You must do this in writing as your rights will not be protected if you call in your complaint. Credit card companies have two billing cycles or 90 days to correct the problem.2. My creditor regularly charges me late fees. You know that you always mail your credit payments in on time, but you just got hit with a late fee. If you are a customer in good standing, write a complaint to the credit card company and tell them you want the charge reversed. If this was a one time occurrence, your creditor will likely reverse the charge promptly. If you regularly get hit with late fees, make sure your payment is always mailed in well in advance of the date that it is due. Shady credit card companies will move up the day that your payment is due without your being aware of it. Always open your bill immediately and plan on making payments as soon as possible.3. I was late with a mortgage payment and now my credit card company is raising their rates. Yes, as unbelievable as it sounds, some credit card companies have a provision in their contract that lists a Universal default charge. What this means is this: if you are late paying back a separate creditor, your credit card company can raise their rates. In other words, you have now become less creditworthy in their eyes and your rate has doubled or tripled! The only way to combat this problem is to pay off your credit cards in full every month.To overcome abuse, you must take charge of the situation and respond in the proper manner. Good credit card companies correct their errors while abusers continue this practice. In the end, it may be time for you to sever your relationship with them.。

7.關(guān)于信用卡的英語(yǔ)作文

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 reduce 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.。

8.有關(guān)信用卡的英語(yǔ)短文

How To Stop Credit Card AbuseConsumer complaints about credit card abuse continues to increase despite clearly defined federal regulations meant to stop abuse. By knowing and understanding your rights, you can stop abuse. Let? examine four common methods of credit card company abuse and what you can do to stop the victimizing.1. My creditor is charging me for items I did not purchase. Examine your bill every month to make sure that what you are being charged is what you ordered. If there is something listed that does not belong to you, notify the credit card company in writing about the disputed item. Federal law requires you do this within sixty days of receiving your bill. You must do this in writing as your rights will not be protected if you call in your complaint. Credit card companies have two billing cycles or 90 days to correct the problem.2. My creditor regularly charges me late fees. You know that you always mail your credit payments in on time, but you just got hit with a late fee. If you are a customer in good standing, write a complaint to the credit card company and tell them you want the charge reversed. If this was a one time occurrence, your creditor will likely reverse the charge promptly. If you regularly get hit with late fees, make sure your payment is always mailed in well in advance of the date that it is due. Shady credit card companies will move up the day that your payment is due without your being aware of it. Always open your bill immediately and plan on making payments as soon as possible.3. I was late with a mortgage payment and now my credit card company is raising their rates. Yes, as unbelievable as it sounds, some credit card companies have a provision in their contract that lists a Universal default charge. What this means is this: if you are late paying back a separate creditor, your credit card company can raise their rates. In other words, you have now become less creditworthy in their eyes and your rate has doubled or tripled! The only way to combat this problem is to pay off your credit cards in full every month.To overcome abuse, you must take charge of the situation and respond in the proper manner. Good credit card companies correct their errors while abusers continue this practice. In the end, it may be time for you to sever your relationship with them.。