熱點作文7

　　Directions: For this part, you are allowed 30 minutes to write a composition on the topic Credit Cards on Campus. You should write at least 150 words, and base your composition on the outline (given in Chinese) below:

　　1)近年來越來越多的大學生開始使用信用卡

　　2)分析產生該現象的原因

　　3)針對大學生使用信用卡提出你的建議

　　【思路點撥】

　　本題屬于提綱式文字命題。提綱第1點指出一種現象，提綱第2點要求分析產生該現象的原因，提綱第3點要求針對該現象給出“我”的建議，由此可判斷本文應為現象解釋型作文。

　　根據所給提綱，本文應包含以下內容：描述大學生使用信用卡的現狀;分析大學生信用卡用戶增加的原因;針對大學生使用信用卡提出“我”的建議。

　　【參考范文】

　　Credit Cards on Campus

　　In recent years, credit cards have gained more popularity among college students. With banks’ more focus on college market, an increasing number of college students have applied for credit cards and begun to consume by them.

　　The following three factors can account for the popularity of credit cards on campus. Firstly, a credit card provides overdrawing service, which is a big attraction for those students who have not much money for their domination. Secondly, a credit card can help release financial burdens on those poor students, and hence reduce the risk of their dropping school for lacking money. Besides, many banks make some preferential policies on credit cards, like sending a gift, lowering year cost. Drawn by these policies, many college students have applied for credit cards.

　　As far as I am concerned, it is not a bad thing for college students to own credit cards. However, there is misuse of credit cards among college students. Many students use credit cards to buy luxurious things they don’t need really, and even some of them owe a big credit card debt. Therefore, schools and banks have responsibility to let college students learn how to use credit cards properly. Only in this way can college students enjoy really the advantages of credit cards.