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Directions: For this part, you are allowed 30 minutes to write an essay that begins with the sentence “As regards whether college students should own credit cards, there has been a heated discussion among people.” You can make comments, cite examples or use your personal experiences to develop your essay. You should write at least 150 words but no more than 200 words (not including the sentence given).

As regards whether college students should own credit cards, there has been a heated discussion among people. Those who admit its necessity think that owning credit cards can help students in an emergency, and it is also a good way for college students to learn how to manage their money and how to show self-restraint.

However, some people are against their use of credit cards. First and foremost, some college students may squander their money once having credit cards, with which they may buy something unnecessary such as luxurious clothes and expensive mobile phones. What’s more, they will increase the financial burden of their families. Concerning a latest survey issued by Industrial and Commercial Bank of China, a high proportion of 45% of college students admit that they have credit-card debts. Parents have to repay the debts if their children cannot afford them by themselves.

As for me, the point is not whether we should have credit cards or not, but that as college students, we should maintain the traditional virtue of frugality and learn to spend our money in a wise way.