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Recently some banks extend their business to university campus and offer credit cards to students. A lot of people worry that credit cards may ring harm to students, while others don't think so. What is your opinion?

Write on ANSWER SHEET THREE a composition of about 200 words on the following topic:

Will Credit Cards Bring Harm to the Students?

You are to write in three parts.

In the first part, state specifically what your opinion is.

In the second part, support your opinion with appropriate details.

In the last part, bring what you have written to a natural conclusion or a summary.

Marks will be awarded for content, organization, grammar and appropriateness. Failure to follow the instructions may result in a loss of marks.

范文：Will Credit Cards Bring Harm to the Students?

Recently, in order to extend business to university campus, some banks offer credit cards to college students. Many people worry that credit cards may do harm to students, while others don't think so. In my opinion, credit cards are good for students if they are used appropriately.

First, when a student uses credit cards, he needn't bring much cash with him every day. And the less cash he brings, the less he needs to worry about being stolen. Second, using credit cards can minimize the chances of receiving forged notes. Students are not quite good at distinguishing forged notes, and thus often become victims of coiners. If they use credit cards, it will be very possible for them to avoid receiving forged notes because they don't need to get the changes. Third, using credit cards can help students to know more about "credit". If they don't repay their credit account in time, they will have to pay more interests and what's worse, they will get a bad credit record which will bring inconvenience to them in the future.

Therefore, I believe that credit cards will not bring harm to students if used reasonably.

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