作文一直可以说是考试的重难点，也是让考生最头疼的内容，作文除了需要我们有一定的词汇积累，也需要我们不间断的练习和总结，练习多了才能熟能生巧，才能下笔成章，下面来一起练习一下这篇英语四级作文吧，希望考生能够更好地为12月份的四六级考试提前做好准备。

　　题目要求：

    On Credit Card

　　参考范文：

　　On Credit Card

　　At present, a wide vareity of credit cards issued by major banks and shopping malls are thriving in colleges and universities across the nation, with a multitude of college students making up a growing population of card holders. Indeed, one out of five students is estimated to be in possession of at least one credit card, and the figure is expected to be on the steady increse, the latest data published by Yangtze Evening Post suggests。

　　Like anything prior to the emergence of this small piece of plastic, the increasing popularity of credit card on campus has both bright and dark sides. On the one hand, young adults in college, free from the trouble of pocketing a considerable sum of cash, could enjoy the convenience of credit cards and purchase expensive goods by installments. On the other hand, however, the irresponsible and excessive use of the cards by these youngsters, the majority of whom are fresh out of middle school incapable of budgeting their money, can make them heavily in debt which will take them years to pay off。

　　On my personal level, while enjoying a host of conveniences the credit card may bring, we couldn't afford to ignore a conspicious fact: in most cases, parents are our sole financial sources.Instead of spending without any restrict, we are supposed to put studies on the top of our agenda and move ourselves beyond heavy dependence upon our parents。