Now more and more people use credit card, credit card has become our the indispensable part in life. On the one hand, credit card can make our life more convenient, for instance in times of emergency providing for convenience. On the other hand, it can make us consume advancely , higher quality of life.Especially for our college students, it is more popular.

However the credit card also has its disadvantage side, for example, many people use overruns but couldn't return. In addition, it also easily to encourage useless consumption.

Personally, I think we need use credit card rationally. Don't use it as far as possible overdraws massively. What's more , wo must return back it , in order to avoid has the disadvantageous influence for us. Only the rational use, the credit card can the key time displays its key the function .

现在越来越多的人使用信用卡，信用卡成了我们生活中不可缺少的一部分。一方面，信用卡使我们的生活更加方便，比如在紧急时刻提供供方便。另一方面， 它能使我们提前消费，更高质量的生活，尤其对我们大学生而言，它更为流行。但信用卡也有其不利的一面，比如，很多人使用的超支了却还不起。除此之外，它也 容易鼓励一些无用的消费。

我个人认为，我们需要理性的使用信用卡。尽量不去大量透支的使用，要进行合理的消费，而且要及时的还清，以免给我们的信誉造成不利的影响。只有理性的使用，信用卡才能关键的时刻发挥它关键的作用。