以下主要从信用卡使用后的影响上面来谈论利与弊，要点包括了过度消费危害和信用卡折扣等，具体如下：
Disadvantages of credit card use: it is easy for people to overspend. Once the money becomes digital, when we spend it, it is often more generous than spending money. Poor control will cause you to make ends meet; if you don't make repayments on time, high interest will be generated and your credit history will also be affected. Will increase the financial burden and the inconvenience of future personal loans.
信用卡使用弊端：容易让人过度消费，一旦钱变成了数字，我们花的时候，往往比花钞票更大方。控制不好，会造成入不敷出；如果没有按时还款，会产生高额的利息，还会影响你的信用记录。会增加经济负担和以后个人贷款的不便。
If a credit card is not swiped enough times every year, an annual fee will be incurred, and credit card withdrawals will be charged a handling fee.
信用卡如果每年刷不够次数会产生年费，信用卡提现是要收手续费的。
Credit card is good: when you use a credit card, you can enjoy discounts from partner merchants, such as Starbucks and other food discounts launched by China Merchants Bank; credit cards are safer, and general credit card withdrawals have a certain limit, such as Bank of Communications is 50% of your opening limit. There is no danger of having a password. Even if the password is lost, the loss is within a certain range.
信用卡好的地方：用信用卡消费，可以享受到合作商户给的折扣，比如招行推出的星巴克等美食折扣等；信用卡更安全，一般信用卡取现是有一定额度的，比如交行是你开通额度的50%。有密码一般不会有危险，即便丢失被破解密码，损失也在一定的范围内。
Credit cards can temporarily alleviate economic difficulties. For some people who have short-term financial difficulties, it is tantamount to sending charcoal in the snow. After all, there is no need to put down money and borrow money from others; a good credit history has certain convenience for applying for loans in the future. Get a higher loan amount.
信用卡可以暂时缓解经济困难，对于一些短时经济有困难的人，无异于雪中送炭，毕竟不用放下面子，向别人借钱；良好的信用记录，对以后申请贷款有一定的便利，有可能会获得更高额度的贷款。
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.
个人信用卡在中国变得越来越普遍。银行和其他金融机构都鼓励他们的客户改变买东西的方式。信用卡，称为“塑料钱”，正在提供非常良好的条件来鼓励改变。消费者将能够享受“先购买，后付款”，很多人认为这是一个优势。
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.
但人们要小心。信用卡伴随危险。有些人发现很容易超过自己的预算。他们试图购买他们并不真正需要的商品，并迅速由于债务负担过重。信用卡往往收取较高的利率，这加剧了这些问题。
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们的生活质量。他们可以得到钱来付突然的，意料之外的费用。处理得当，它们可以让人们控制他们每月的支出和记录下他们的每个月所花的钱的报表。
点评：这是一篇议论文，关于信用卡的利弊。可以分成三部分：第一部分，信用卡的好处，比如说应急等；第二部分，信用卡的一些弊端，比如说鼓励一些无用的消费；第三部分：你自己的观点，理性使用。
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