学生使用信用卡 Credit Cards on Campus
Nowadays, credit cards have beenincreasingly popular on campus in that banks are growingly paying theirattention to students and laying out various policies to cater for studentsneed. People hold different views towards students owning credit cards. As faras I am concerned, it is necessary for students to keep credit cards.
如今，信用卡在校园中已经越来越流行了，因为银行越来越关注学生并制定各种政策来满足学生的需求。对于学生拥有信用卡人们有不同的看法。我觉得是有必要的。
There are reasons accounting for my view.For one thing, it is convenient for students to deal with various financialmatters. Students can use their credit cards to pay their tuition fees andother fares and that is safer than pocket a large sum of money go everywhere.For another, using credit cards is a good way to teach students to improvetheir ability in managing their money and form good habit in spending money.For instance, students who receive their pocket money at the beginning of themonth have to make a plan to spend their money before they consume with thecredit cards, so that they will not suffer from lacking of money at the end ofthe month. In addition, the overdrawing function of the credit cards provides achance for those students who cannot afford their tuition fees to continue toreceive their education.
我认为以下原因能支持我的观点。一方面，它便于学生处理各种财务问题。学生可以使用他们的信用卡来支付他们的学费和其他费用，这比装着一口袋的钱到处走要安全得多。另一方面，使用信用卡可以提高学生管理金钱的能力，并养成良好的`花钱习惯。例如，在月初时学生得到的零花钱必须要在使用信用卡的之前制定计划，这样他们就不会在月底资金短缺。此外，信用卡的透支功能为那些无法交付学费的学生提供继续接受教育的机会。
Although some students overdrawtheir money from their credit cards to buy luxurious and unnecessary thingsthat will increase their family financial burden, I consider that theadvantages far outweigh its disadvantages.
虽然一些学生透支信用卡来购买会增加家庭经济负担的奢侈品和不必要的东西，但是我认为它的优点远远大于它的缺点。
Thus, I consider that it is necessary forstudents to use credit cards. Besides, they also should be taught to use itproperly and form a correct notion of consume.
因此，我认为学生使用信用卡是有必要的。此外，他们还应该得到教导如何正确使用信用卡，形成正确的消费观念。
NEGOTIATION/PAYMENT
UNDER
RESERVE
OR
AGAINST
AN
INDEMNITY
PROHIBITED,
IN
THAT
CASE,
NEGOTIATION
SHOULD
BE
PROCESSED
UNDER
OUR
APPROVAL.
A
DISCREPANCY
FEE
OF
USD80
OR
EQUIVALENT
THEREOF
IS
PAYABLE
BY
THE
BENEFICIARY
FOR
EACH
DRAWING
PRESENTED
WHICH
DOES
NOT
STRICTLY
COMPLY
WITH
THE
TERMS
OF
THIS
LETTER
OF
CREDIT
AND
WHICH
HAS
TO
BE
REFERRED
TO
THE
APPLICANT.
拒绝保留追索权和担保下的议付和付款,
如果这样,
必须再我们的认可之下进行议付.
如果没有严格的按照信用证的条款执行,不符点费80美元将由受益人承担,从每次提款中扣除,
并向开征人提及此事.
一旦收到符合信用证条款的单据,我们将汇付款项到你们自己指定的银行.
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