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)近年来越来越多大学生开始使用信用卡
2)分析产生该现象因素
3)针对大学生使用信用卡提出你建议
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.
校园里的信用卡
近几年来，信用卡在大学生中越来越受欢迎。随着银行对大学生市场的重视，越来越多的大学生申请了信用卡并开始使用信用卡消费。
以下三个因素可以解释信用卡在校园里的流行。首先，信用卡提供透支服务，这对那些没有多少钱的学生来说是一个很大的吸引力。其次，信用卡可以帮助那些贫困学生减轻经济负担，从而减少他们因缺钱而辍学的风险。此外，许多银行对信用卡有一些优惠政策，如送礼物，降低年费。在这些政策的吸引下，很多大学生都申请了信用卡。
在我看来，大学生拥有信用卡并不是一件坏事。但是，在大学生中存在着滥用信用卡的现象。许多学生用信用卡购买他们并不真正需要的奢侈品，甚至有些人还欠下一大笔信用卡债务。因此，学校和银行有责任让大学生学会如何正确使用信用卡。只有这样，大学生们才能真正享受到信用卡的好处。
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