首页
外语
计算机
考研
公务员
职业资格
财经
工程
司法
医学
专升本
自考
实用职业技能
登录
外语
Read carefully the following excerpt on credit card, and then write your response in NO LESS THAN 200 words, in which you should
Read carefully the following excerpt on credit card, and then write your response in NO LESS THAN 200 words, in which you should
admin
2021-02-26
77
问题
Read carefully the following excerpt on credit card, and then write your response in NO LESS THAN 200 words, in which you should: summarize the main message of the excerpt, and then comment on whether credit card will bring harm to college students.
You should support yourself with information from the excerpt.
Marks will be awarded for content relevance, content sufficiency, organization and language quality. Failure to follow the above instructions may result in a loss of marks.
Credit Card Debt Can Harm College Students
College students are running up an alarmingly large amount of credit card debt these days and it is only increasing with the passage of time. The average undergraduate student carries $2,500 in credit card debt, and when they graduate from college they begin their new lives with debt that they can’t pay.
Students figure "I’ll live like I want to live now and then when I get a job, it will be easy to pay it back." This is often not the case.
Lower-than-expected salaries, plus higher-than-expected living expenses and hefty student loan payments, make handling credit card debt all the more difficult for students and recent graduates.
The worst part about college students having so much credit card debt is that it takes so long to pay it off. Even if an individual is able to make the minimum payments, it would take more than 12 years and $1,115 in interest to pay off a $1,000 bill on a card with an 18 percent annual rate.
If students fall behind in their payments, they get slammed with high late fees. And it’s easy for things to get out of hand.
"Of course, there are two sides to this story," Charles Hughes, a Certified Financial Planner said.
"Most college students start out with little or no credit. Having a credit card seems like a good idea so they can start building a credit history in anticipation of owning a new, or better, car and some day their own home."
选项
答案
Will Credit Cards Do Harm to College Students? College students are facing large amount of credit card debt nowadays, and some even can’t pay off their debts when they graduate from college to begin a new life. This has greatly hampered their personal development. However, a financial expert holds having a credit card may be beneficial to college students in that it helps them build a credit history. In my opinion, credit cards are in deed good for students if they are used appropriately. First, when a student uses credit cards, he needn’t bring much cash with him every day. And the less cash he brings, the less he needs to worry about being stolen. Second, using credit cards can minimize the chances of receiving forged notes. Students are not quite good at distinguishing forged notes, and thus often become victims of coiners. If they use credit cards, it will be very possible for them to avoid receiving forged notes because they don’t need to get the changes. Third, using credit cards can help students to know more about "credit". If they don’t repay their credit account in time, they will have to pay more interests and what’s worse, they will get a bad credit record which will bring inconvenience to them in me future. Therefore, I believe that credit cards will not do harm to college students if used reasonably.
解析
转载请注明原文地址:https://kaotiyun.com/show/mpCK777K
0
专业英语四级
相关试题推荐
A.variesB.generalC.meaningD.situationE.possibilityF.modelG.acquireH.senseI.nonsenseJ.effectiveK.exa
A.physicalB.adaptC.regulationD.taughtE.accuracyF.suitG.rousedH.requiredI.popularJ.heldK.spreadL.o
(1)TheNobelsaretheoriginals,ofcourse.AlfredNobel,themanwhoinventeddeadlyexplosives,decidedtotryanddosomethi
TheFunctions,oftheFamilyThefamilyfulfillsanumberofroles,/suchasprovidingeducationandrecreationalactivitie
Itisbelievedthattheauthoritiesarethinkingof______newtaxestoraiseextrarevenue.
A、Studyingapuresciencefirst.B、Gettinggoodexamresults.C、Beinginterestedinarts.D、Beinggoodatdrawing.B在回答whatqual
(1)Moderntheatreaudiencesarelessabletounderstandclassicalplaysthanpreviousgenerationsbecauseofadecliningknowle
ANewApproachtoDebateⅠ.Teachers’hesitation:debateisbeyondstudents’【T1】______Ⅱ.SuggestionsfromProf.CharlesLebeau
Loudspeakerswerefixedinthehallsothateveryone______anopportunitytohearthespeech.
Hewantedtobecomeawriter,buthisfatherdidn’tthinkitwasa______profession.
随机试题
1958年5月1日,____________试验播出,宣告中国电视事业的诞生。
第一个被分离鉴定的抑癌基因是
粉状或颗粒状材料在某堆积体积内,颗粒之间的空隙体积所占的比例称为材料的()。
下列属于铁路项目信誉评价一般不良行为认定标准的有()。
下列风险中,属于市场风险的是()。
甲卷烟厂和其客户乙卷烟批发公司均为增值税一般纳税人。甲卷烟厂主要生产A牌卷烟和雪茄烟,其中A牌卷烟不含税调拨价为120元/标准条。2015年10月,甲卷烟厂和乙卷烟批发公司有关生产经营情况如下:卷烟厂:(1)从农业生产者收购烟叶,开具的收购发票上注明买
评估投资价值与评估市场价值的方法的不同之处是()。
在日常生活中,我们经常把被子拿到太阳底下晒一下,其最可能的原因是()。
下列中国古今地名对应不正确的是:
(2011年真题)赵某与钱某约定,赵某以1000元的价格购买钱某的耕牛。当夜,耕牛被孙某盗走,致使法律合同因无法履行而终止,钱某返还赵某价款。该事例中,导致合同解除的法律事实是
最新回复
(
0
)