Directions: For this part, you are allowed 30 minutes to write a short essay on the topic of Credit Cards. You should write at least 120 words following the outline given below in Chinese:

1. 越來越多的人使用信用卡， 信用卡有哪些好處
2. 信用卡的弊端
3. 你自己的觀點

Credit Cards

信用卡
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, 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.

個人信用卡在中國變得越來越普遍。銀行和其他金融機構都鼓勵他們的客戶改變買東西的方式。信用卡，稱為“塑料錢”，正在提供非常良好的條件來鼓勵改變。消費者將能夠享受“先購買，后付款”，很多人認為這是一個優勢。
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.

但人們要小心。信用卡伴隨危險。有些人發現很容易超過自己的預算。他們試圖購買他們并不真正需要的商品，并迅速由于債務負擔過重。信用卡往往收取較高的利率，這加劇了這些問題。

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.

但是，理性的使用信用卡可以提高人們的生活質量。他們可以得到錢來付突然的，意料之外的費用。處理得當，它們可以讓人們控制他們每月的支出和記錄下他們的每個月所花的錢的報表。

點評：這是一篇議論文， 關于信用卡的利弊。可以分成三部分： 第一部分，信用卡的好處，比如說應急等；第二部分，信用卡的一些弊端，比如說鼓勵一些無用的消費；第三部分：你自己的觀點，理性使用。