英语课辩论 大学生该不该使用** 我是正方 要怎么说 要用英文～ 大神 求指导

如下7点优点，结合大学生的情况自己组织组织：1, one of the most obvious strengths of credit cards ** their convenience. h**ing a major v**a, mastercard, d**cover card or american express credit card in your wallet means no more running to the bank for cash, counting out change, or hurriedly scribbling in a check book when you need to make a purchase. credit cards even offer benefits over debit cards, the other piece of plastic many of us carry. while debit cards look like credit cards, they lack some of the benefits of being able to charge. debit cards, many of which are linked to your checking account, sometimes h**e 24-hour charging limits, which could prevent you from buying that $900 computer you've had your eye on. debit cards can even act like credit cards if you sign for a purchase instead of using your pin number, with the bank usually covering the difference between the amount in your account and the cost of your purchase. however, when the bank acts essentially as a creditor in th** manner, you can get slammed with sizable insufficient fund fees for covering your shortcomings. alternatives to debit cards linked to checking accounts are called prepaid debit cards, which are preloaded with funds and are designed to **oid the pitfalls of spending more than you h**e.2 your credit card can help you budget expenses each month, provided you pay your bill in full every time. if you do, your bill then acts as a master receipt that d**plays an itemized l**ting of what you spent your money on. some credit cards, especially those from american express, even categorize your purchases and send quarterly or annual summaries of your spending that provide percentage breakdowns of how much you spent on retail, dining, entertainment, etc. for those of you that h**e set up an online account with the credit card company, you can likely import the data into some form of personal finance tracking software.3 the use of a credit card ** directly connected to your credit score, the report card for borrowers. the responsible way you handle your credit card ** recorded in your credit h**tory for lenders to review. your high score in that credit report shows how creditworthy you are deemed by other lenders and that you pay your bills on time and spend conservatively. conversely, irresponsible use of a credit card will produce low credit scores which can result in either being denied for future credit or paying much higher interest rates.4 while you usually get hit with charges for not paying your entire bill each month, sometimes the lender will give you a break in the form of the float. the float offered by most credit cards ** the grace period you h**e to **oid interest on a purchase if there ** no balance on your card at the time of purchase. that means you get a break from 20 to 30 days during which your lender will not charge interest on your purchase. the float ** a great way to **oid paying interest on unexpected expenses or on items that you eventually decide to return.5 you can sometimes get the lender to ease the pain associated with things like the annual percentage rate and annual fees. credit card companies are often open to negotiation, on anything from waiving the annual fee to lowering your apr to excusing a late payment. you just need to ask. to attract a new customer it costs a lender between $50 and $150 for each account. due to the competition in the industry, it makes sense for your credit card company to do what it can to keep you from le**ing them for a compe**.6 credit card companies are major corporations with all the strength that entails. so when you use your credit card, you get to apply that strength in your own f**or. making a costly purchase with plastic gives you immediate purchase protection that you do not get when you pay with cash or some atm cards. when used for purchases, some credit cards automatically extend your product warranty. if merchants don't deliver what you paid for, the credit card **suer can step in to help. the money you are using to pay for a credit card purchase comes from the **suer, after all.7 finally, making a purchase with your credit card gives you a degree of theft protection. while everyone hopes it will never happen, be sure to let your credit card **suer know if your card ** stolen. most credit card companies will work very hard to resolve theft **sues, as fraud ** one of the industry's biggest concerns. generally you will only be responsible for paying back the first $50 of the thief's total spending, which could s**e you a lot of cash if the crook has expensive tastes. (you may not even h**e to pay that amount if you ask nicely.) and, if you report the theft immediately, most credit cards offer a zero liability policy, meaning you don't h**e to pay anything for unauthorized purchases made with your card. meanwhile, if you h**e an online account, you will be able to notice fraudulent activity with your card before the next statement arrives in the mail. 20210311