2016年12月大学英语四级作文范文：卡奴

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　　2016年12月大学英语四级作文范文：卡奴
        　　“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：
        　　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”.