填空题：Read the. following text(s) and write an essay to I )summari

Read the. following text(s) and write an essay to
I )summarize the main points of the text( s),
2) make clear your own viewpoints, and
3 )justify your stand.
In your essay, make full use of the information provided in the text(s). If you use more thanthree consecutive words from the text( s), use quotation marks( “ “).
You should write 160 -200 words on the ANSWER SHEET.
However you view credit cards, it's hard to live in the modern world without one. And if youhave one, you owe it to yourself to use it properly.
Although credit cards are becoming a more acceptable part of the financial scene, they are stillregarded with suspicion by many as being a major part of the "live now pay later" syndrome. Along with hire purchase, rental and leasing schemes, they provide encouragement to spend moremoney. They can allow you to pile up debts that you have difficulty paying off, they can also letyou spend next month' s salary today.
Advertising campaigns have, however, promoted a growing realization of the advantages ofthese small pieces of plastic. They obviate the need to carry large amounts of cash and are alwaysuseful in emergencies. All the credit card organizations charge interest on a monthly basis whichmay work out as high as 25 per cent a year, yet judicious purchasing using a card can mean thatyou obtain up to seven weeks interest free credit.
It is worthwhile shopping around before deciding on a particular credit card. It is necessary toconsider the amount of credit granted; interest rates, which may vary slightly; the number andrange of outlets, though most cards cover major garages, hotels, restaurants and departmentsstores, and of course, what happens if your card is lost or stolen.
Using a credit card wisely takes discipline and a little self-control. Once you realize your debtis someone else' s profit margin, your approach to your plastic will change. With a bit of disciplineand some practical knowledge, you can make your cards work for you, rather than the other wayround. As a matter of fact, a credit card can cost nothing or at least help to tide you over a periodof financial difficulty.