credit-cards-on-campus

CreditCardsonCampusNowadays,astheeconomyisdevelopingsorapidly,consumptionhasbeenacommonphenomenoninourlives.Itisquiteconvenientandsafeforpeopletousecreditcards.Banksaregrowinglypayingtheirattentiontostudentsoncampusandlayingoutvariouspoliciestocaterforstudents’need.Differentpeoplehavedifferentopinionsonwhetherstudentsshouldapplyforacreditcard.Ontheonehand,creditcardsreallybenefitstudentsalot.First,collegestudentsusuallyliveinschoolsandtheycan’tgohomeasfrequentlyasbefore.Socreditcardsareagoodchoiceforthemtopaytheirtuitionfeesanddailyexpenses.It’smoreconvenientandsaferthanpocketingalargesumofmoney.Second,usingcreditcardsisagoodwaytoteachstudentstoimprovetheirabilityinmanagingtheirmoneyandformgoodhabitinconsuming.Forinstance,studentswhoreceivetheirpocketmoneyatthebeginningofthemonthhavetomakeaplantospendtheirmoneybeforetheyconsumewiththecreditcards,sothattheywillnotsufferfromlackingofmoneyattheendofthemonth.What’smore,theoverdrawingfunctionofthecreditcardsprovidesachanceforthosestudentswhocannotaffordtheirtuitionfeestocontinuetoreceivetheireducation.Ontheotherhand,creditcardsalsobringsomenegativeeffectsoncollegestudent.Firstofall,somestudentsoverdrawtheirmoneyfromtheircreditcardstobuyluxuriousandunnecessarythings,especiallyinonlineshopping.Duetostudentscan’tmakealiving,theiroverdraftwillincreasetheirparents’financialburden.Inthenextplace,fortheirownprofits,bankerssettrapsattractingstudentstooverspend,evenloweringtheircredit.Lastbutnotleast,thecreditcardcheatinghappensmoreandmoreoften.Studentsarekindandinnocentthatconartistsalwaysshootatthem.Inmyopinion,Ithinktheadvantagesofcreditcardoutweighitsadvantages.It’snecessaryforstudentstousecreditcards,Besides,theyshouldalsobetaughttouseitproperlyandformacorrectnotionofconsume.Onlyinthisway,cantheyenjoythebenefitsofcreditcards.