Nowadays, credit cards have beenincreasingly popular on campus in that banks are growingly paying theirattention to students and laying out various policies to cater for students’need. People hold different views towards students’ owning credit cards. As faras I am concerned, it is necessary for students to keep credit cards.

如今，信用卡在校園中已經越來越流行了，因為銀行越來越關注學生并制定各種政策來滿足學生的需求。對于學生擁有信用卡人們有不同的看法。我覺得是有必要的。

There are reasons accounting for my view.For one thing, it is convenient for students to deal with various financialmatters. Students can use their credit cards to pay their tuition fees andother fares and that is safer than pocket a large sum of money go everywhere.For another, using credit cards is a good way to teach students to improvetheir ability in managing their money and form good habit in spending money.For instance, students who receive their pocket money at the beginning of themonth have to make a plan to spend their money before they consume with thecredit cards, so that they will not suffer from lacking of money at the end ofthe month. In addition, the overdrawing function of the credit cards provides achance for those students who cannot afford their tuition fees to continue toreceive their education.

我認為以下原因能支持我的觀點。一方面，它便于學生處理各種財務問題。學生可以使用他們的信用卡來支付他們的學費和其他費用，這比裝著一口袋的錢到處走要安全得多。另一方面，使用信用卡可以提高學生管理金錢的能力，并養成良好的花錢習慣。例如，在月初時學生得到的零花錢必須要在使用信用卡的之前制定計劃，這樣他們就不會在月底資金短缺。此外，信用卡的透支功能為那些無法交付學費的學生提供繼續接受教育的機會。

Although some students overdrawtheir money from their credit cards to buy luxurious and unnecessary thingsthat will increase their family financial burden, I consider that theadvantages far outweigh its disadvantages.

雖然一些學生透支信用卡來購買會增加家庭經濟負擔的奢侈品和不必要的東西，但是我認為它的優點遠遠大于它的缺點。

Thus, I consider that it is necessary forstudents to use credit cards. Besides, they also should be taught to use itproperly and form a correct notion of consume.

因此，我認為學生使用信用卡是有必要的。此外，他們還應該得到教導如何正確使用信用卡，形成正確的消費觀念。