以“The pros and cons of having a credit card”为题目写一篇英语小作文.

以“The pros and cons of having a credit card”为题目写一篇英语小作文.
要求：300到400字.

1.Credit Cards
Personal credit cards are becoming more common in China.Banks and other financial institutions are encouraging their customers to change the way they buy things.Credit cards,otherwise known as “plastic money”,are being offered on very good terms to encourage the change.Consumers will be able to “buy now,pay later”,and many see this as an advantage.
But people need to be careful.There are dangers associated with credit cards.Some people find it very easy to exceed their budget.They are tempted to purchase goods that they do not really need,and can become quickly overburdened by debt.The credit cards often charge a high rate of interest,which exacerbates the problems for these people.
However,used wisely credit cards can improve the quality of people’s lives.They can give people access to money to meet sudden unplanned expenses.Properly handled,they can let people control their expenditure and the monthly statements provide a record of where their money has gone.
我还有两篇是陈述信用卡的好处的,虽然没有说明弊端,但一样可以用在作文中：
1.Credit cards have had bad press over the past few months of the credit crunch they only cause more debt and have unfair rates of interest..However,if a credit card is used in the correct way and you keep up with your payments,they can be very valuable in many aspects.
One of the most beneficial aspects of having a credit card is that it can help you to increase your credit score.If you have little borrowing experience,taking out a credit card helps to convey to other creditors that you are a responsible and reliable borrower.
Another benefit of owning a credit card is that it can be easier to buy things.Some companies,such as those in the travel sector like hotels,airlines and car rental companies prefer payment by credit card,and some do not accept cash payments at all.As well as this convenience,many card companies give insurance on large purchases.An example of this is when airline XL went bust in September,
A more obvious benefit of a credit card,and one of the main reasons people apply for a credit card,is that you have access to money during emergencies.If you resist the temptation of spending the money on your credit card,you are left with a good sum of money to use when you most need it.You only pay interest on purchases or on cash withdrawals,so keeping a credit card at home (where you won't be able to spend on it) can be very valuable.
2.What Are the Advantages of Business Credit Cards?
Easier to obtain than lines of credit,these cards can help
the small business owner conserve cash while still buying the equipment and supplies needed to keep the business moving forward.Surveys report that more than 65 percent of small businesses now have credit cards,and this number continues to rise.Of course,not unlike personal credit cards,the same warnings hold true:Business credit cards must be used cautiously and only for the sake of the business.
Although business credit cards typically carry an annual fee,it is usually rather nominal.A number of advantages are evident in such business credit cards,including:
Another advantage of a business credit card is that by using it,you are demonstrating the growth of business while promoting it at the same time.Even someone running a home-based business gains more credibility when flashing a business credit card.