2015年6月英语四级考试作文预测：卡奴

　　作文预测：

　　On Card Slave

　　“卡奴”是指一个人使用大量的现金卡、信用卡，但负担不出缴款金额或是以卡养卡、以债养帐等方式，一直在还利息钱的人。

　　1. 目前出现许多年轻人变成“卡奴”现象

　　2. 出现这一现象的原-因

　　3. 我对这一现象的看法和建议

　　参考范文：

　　On Card Slave

　　As people change the patterns of consumption, it is common for people to have several cards. Then “Card slave” is coined. “Card slave” refers to people who can only pay the minimum balance on their credit card debt every month. Many youngsters fall under the so-called card-slave category.

　　The reason behind “card slaves” varies. The fierce competition among banks, Chinese or foreign, encourages them to lure customers to hold more credit cards. Unfortunately, some card holders, especially youngsters with large shopping addictions and small salaries, have outstanding credit card debts and gradually became “card slaves” after reaching their credit card limit on luxury items. Due to their meager salaries, they always live on the edge of bankruptcy.

　　In my opinion, people should manage their financial affairs. First, only choose the credit cards that suit you the most. Secondly, manage your cards properly. Get some good tips from internet and follow them. Thirdly, increase income and avoid excessive expenses. These tips will help you keep away from the danger of becoming a “card slave”.

　　参考译文：

　　随着人们改变消费的模式,人们普遍有几个卡片。则创造了“卡奴”。“卡奴”是指那些只能支付最低余额每月的信用卡债务。许多年轻人属于所谓的“卡奴类别。

　　“卡奴”背后的原因各不相同。银行间激烈的竞争,中国或外国,鼓励他们以吸引客户持有更多的'信用卡。不幸的是,一些持卡人,特别是年轻人和大型购物成瘾和小工资,有杰出的信用卡债务,并逐渐成为“卡奴”在达到他们的信用卡限制奢侈品。由于他们微薄的薪水,他们总是住在破产的边缘。

　　在我看来,人们应该管理自己的财务。首先,只有选择最适合你的信用卡。其次,正确地管理你的卡片。从互联网和得到一些好的建议。第三,增加收入和避免过度开支。这些提示将帮助您远离成为“卡奴”的危险。

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