求一篇有关信用卡的英语作文,主要内容：信用卡的利弊,自己的关点要理性使用

Credit Cards
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.
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.
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.