【思路点拨】

  本题属于提纲式文字命题。提纲第1点指出一种现象,提纲第2点要求分析产生该现象的原因,提纲第3点要求针对该现象给出“我”的建议,由此可判断本文应为现象解释型作文。

  根据所给提纲,本文应包含以下内容:描述大学生使用信用卡的现状;分析大学生信用卡用户增加的原因;针对大学生使用信用卡提出“我”的建议。

  【参考范文】

  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.
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