主题：【每日互动话题】刷信用卡,是好还是坏？（第638期）

Pay by credit card?
Now as i'm just a college student ,i should disposal the cost of living by myself ,in my mind pay by credit card is not a good idea for our student ,pay by it may cultivate the habit of freely
But anything is with two things ,credit card also give us convenients when we are go shopping
最后由 枫叶foreverlove 于 2009-08-06 09:49:26编辑

I like this topic!
真是说到我心里了.
It always let me spent more money ,and now I'm tried for repay a debt.
最后由 zora_yang 于 2009-08-06 22:17:00编辑

我没有信用卡，也不想办，不喜欢用....
最后由 yyheaven 于 2009-08-06 09:38:38编辑

it 's badly

    Nowadays, credit card plays an important part in human daily life. Like everything else, using credit card has both favorable and unfavorable aspects.

    Generally, the advantages can be listed as follows: Firstly, it is convenient for people not only to avoid taking much cash in hand, but also to make a credit purchase anywhere with a terminal POS. Besides, it is extremely attractive to consumers for its 50-days interest free term. Most important of all, it gives you a chance to realize your dreams of shopping what you could not affordformerly.

    But every coin has two sides. The negative aspects are alse apparent. To begin with, it is a tough challenge for people to repay their bills in time, in fact, most of individuals are regularly charged by late fees. To make matters worse of all, there is not a few people who catch themselves in trap of huge overdraft, for instance, one of my friends have to repay six thousand per month for he had overdraft 200 thousand in the past year, but nobody ever told him that was a terrible wrong.
   
    Actually, there is no credit card sales who would like to tell you any harms from credit card but advantages. So before making the right choice, you had better make a close comparison and contrast of them.
   
    First of all, if you have traveled a lot, it is better to have a credit card. Second, if you have a good condition to make sure you are able to repay in time and avoid facing late fee troubles, choose it. On the contrary, you had better drop credit card for these circumstances: First, no independent source of income, Besides, always spending more money than you earn, worst, having been in massive debt. 
   
    Therefore, it depends on your factual condition weither credit card is suitable for your purpose. When you make a decision, it means you begin to face both the benefits it brings to you and the troubles. But I will never use credit card again, because I was exhausted to get out of the debt of it worked.





最后由 释迦牟尼学英语 于 2009-08-07 10:28:15编辑

PAY BY credit card, good or bad?

Today's topic is a controversial one,we should discuss it in both sides,I mean it has its good as well as bad results.                                                                                                                                                     
As for its advantages:Firstly,I think this one is the most important one,for it is the essence of the credit card,paying by credit card allow you to buy sth with the bank money in advance then pay it back later.So it is very convenient.Secondly,it is very flexible,it offer a chance for you to buy something expensive by installment payment,like  computer,camera .moreover,it is free of interest.Thirdly,when you used it each time,you can accumulate the point to exchange gifts.Fourthly,Paying by credit card is safer than carry lots of money in your bag or pocket sometimes.Fifthly,you can join in many bank acitivies to have gifts.                Though it has so many advantages,it possess its own disadvantages.At the first point,many people did not have a password to pay it,so it is risky sometimes than paying by cash.At the second point,since it can buy with the bank money and return it later,so many people enjoy buying lots of things ,especially the expensive ones,just like the money belong to others.Gradually,they became the servant of the credit card.Spending completely within one month, and becoming a burden by repaying next month.At the third point,If you do not understand credit card very well, it will make you lose money, for example interest, overdue fine and annual fee. It isn't worthy and makes you feel like being cheated. Additional, if you can't repay in time, it will make you have bad record.
In a sense,paying by credit card has become a vogue.Actually,I have apply one.Anyway,I think its advantages exceed its disadvnatages.Do you agree with me?





最后由 chritina 于 2009-08-07 09:37:35编辑

Pay by credit card, good or bad?
For those who are sensible and self-possessed, credit card bring many conveniences to them.
In contrast, for whose who are impetuous, credit card will lead them to spend more money on what is not necessary.
最后由 我的问答 于 2009-08-06 11:13:23编辑

In America,there are a lot of women that are shopaholic becouse of the credit card.
Just as saying "Credit card have some functions, like consumption in advance and then repayment after, interest free term, installment payments, be possessed easily and solving problems. Plus, it can cumulate personal credit. You can join bank’s activities, getting some extra award. Besides, using credit card can accumulate the points to exchange the gifts."

刷信用卡，是好还是坏？
PAY BY credit card, good or bad?
I don't have a credit card and I don't have plan to hold one.If using credit card, it may make me spend a lot of extra money,buy a lot of things that are not necessary at all. Maybe someone would say,if you don't have credit card, you cann't get the things you want very much, but actually if you don't have the financial ability to buy something very expensive, just don't buy it, or you can buy it till the day you can afford it, otherwise it will be really a burden to you. So don't use tomorrow's money when you don't earn the money. Someone may say you are out of time if you don't have a credit card, but in my view,just follow the trendency blindly is not fashional at all, you should be only yourself.
我没有信用卡，也不准备办。如果用信用卡，可能会增加我很多花销，买很多实际上不需要的东西。也许有人会说，没有信用卡，你就不能提前得到自己非常想要的东西，但实际上如果你没有这种经济能力来买那些昂贵的东西，就不要买，或者可以等到你能支付得起的那天再买，否则就会成为很大的负担。当你还没挣到明天的钱时就不要花。还有人会说，没有信用卡你就落伍了，在我看来，盲目跟风并不时尚，你应该只是你自己。
最后由 crystalyao84 于 2009-08-06 10:04:31编辑

水可载舟，亦可覆舟。
任何事物都有正反两方面，关键在于你是否使用得当

PAY BY credit card, good or bad?
Easy to spend money, pay back the money difficult.

Everything has its two sides. Whether it is good or bad depends on how you treat it.
I think credit card is good for me since it can bring me convience. I have already had a credit card when i was  a student. Sometimes  you were inviting friends to dinner. when you pay for the bill you found that you didn't have enough money at hand, it would make you feel embarrassed. If you had a credit card you can pay first and then you can draw money from your account and pay in the credit card account.

When you are travelling or on business you will find the good merit of having a credit. If you had a credit card you needn't take a lot of money in your pocket in case of being stolen by a thief. You can pay online to book ticket and pay for your accomodation fees, especially you are on abroad, sometimes only credit card can be used.

Maybe someone will argue about that credit card is not safe but i insist on that you can use password to prevent your money from being stolen when your card is missing.

No matter what's your opion, my advice is to use your credit carfully . Don't forget to pay your debts in time otherwise it will bring you a lot of trouble.:)


最后由 jolin_k 于 2009-08-06 21:49:14编辑

It's not good things to me.

pay by criedit card is good to me

I’ve ever gotten a credit card last semester. There are always some banks advising their products (different kinds of credit card) in our university. There are usually some little presents inducing us to handle letters with credit card. I am so shameful to say that once I was induced by a space cup. However, after I went back to the dorm, my roommates criticized me for my greed and impulse. They told me that I had little money to deposit, I needed to consume via this card at least 3 times a year. Otherwise I had to pay annual fee for it. What’s worse, as a student, my credit level is low. If I start working, I need to change a credit card. I am so lazy, and this is just too troublesome for me. Anyway, a debit card is enough for me. So I returned the card to the bank.
I still don’t know the benefits of credit card compared with debit card. I know we can borrow money from the bank via credit card. However, is that so necessary? For ordinary people, the credit limit won’t be high, perhaps thousands of Yuan. I don’t think the habit of using future money for diary trifle things is a good habit.
However, in the modern society, it is more and more common to pay by card, no matter what kind of card. In Beijing, it is supported by most markets and shopping malls. It brings magnificent convenience to citizens and reduces the risk of dropping money. You know, if you drop your credit card only, it doesn’t matter. We have entered the era of electronical currency.
Credit card will also produce some ill effect. The one I understand most is that I’ll spend more money if I pay by card. Imagine that, if you pay by physical money, you will see your money in the pocket reduces rapidly, and you would feel heartache, therefore you won’t spend so much. However, when it terms to card, you would have no feeling. Just brush the card, you can get beautiful clothes, delicate accessories, tasty food, why not?
All in all, I think the trend to use card is inevitable. However, it is not so bad to enter the era of electronical currency. We just need to enhance our self-control. Gradually we’ll be accustomed to use cards, just as normal as physical money we used before, our life won’t be changed a lot except be more convenient.

最后由 scpengsisi 于 2009-08-06 11:20:39编辑

good in certain degree, but I just interested in real money. It's a tradition.

Pay by criedit card must be in controled state.

interesting