距离2024年12月英语四级考试愈加近了，大伙筹备的怎么样？@沪江英语四六级公众号整理了2024年12月英语四级作文范本：信用卡消费，一块儿看看吧。
2024年12月英语四级作文范本：信用卡消费
作文需要：
1. 信用卡消费好处与坏处
2. 怎么样明智的用法信用卡消费
范本：
Credit card offers a convenient way to buy goods but every coin has two sides. From the cartoon above we see that credit card can lead to unmanageable debt and financial crisis if used unwisely.
So people should keep in mind the risk of using credit card and try to spend money wisely.First, before applying a credit card, people should make sure whether they can afford to pay back money spent on the card. Second, it is very important to work out what kind of card meets their needs. Third, people should try to pay their balance in full every month, or they will be charged interest and have negative effects on their credit scores.
Finally, since some cards have high interest rates and fees when failing to pay back, it is necessary to work out the cosplayt before using the cards.
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