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英语口语话题表达：信用卡的优缺点》，希望大家喜欢！
Credit card has more advantages than disadvantages.
信用卡的优点多于缺点。
I think the most advantageous part of the credit card is its use. Due to the simplified processes of the operations, credit cards are even used in the groceries, too. Credit cards can make it easier to buy things if you don't like to carry large amounts of cash with you. In addition, having a credit card will help you build a good credit history which is very important in applying for things such as loans, rental applications in the future.
我认为信用卡最大的优势便在于它的使用方式。由于它简单的操作过程，信用卡甚至在杂货商店也能使用。它可以帮助我们在外出购物时免去携带大量现金的烦恼。另外，使用信用卡还能够帮助你积累良好的信用记录，这对将来申请贷款和租赁意义重大。
The credit card is very useful in my life. It permits me to purchase first and pay later. Therefore, it is helpful to handle some emergencies when the cash is limited.
信用卡对我的生活非常有帮助，它能够让我"先消费，后还款" 。因此，当遇到紧急情况而又现金不足时，信用卡就帮了大忙。
Credit card has more disadvantages than advantages.
信用卡的缺点多于优点。
In spite of having some advantages, I think, credit cards have more disadvantages. The first disadvantage regarding credit cards is theft concern. If you lose your credit card anyway, it could be a disaster. The person who gets your credit card could buy objects by using it. so you will have to face big problems.
虽然信用卡给我们带来了很多便利，但是却为我们埋下了更多隐患。第一个隐患就是信用卡偷窃。如果信用卡被偷，那你将会大难临头。小偷会刷你的卡大量消费，所以你很可能会陷入大麻烦中。
In addition, credit cards are inviting people to spend more inoney that they don't have yet. As a result, people may fall into debt because of their credit card purchases. Some credit card companies have fees or penalties for late payments or not being able to pay the minimum owed; once the amount owed begins to rise, the interest a person will owe the credit card company may become quite costly.
另外，信用卡会促使人过度消费，从而使持卡人陷入债务危机之中。在某些信用卡公司，持卡人如果推迟还款或者无能力付最小限额的债款，他们就必须额外交付相应的费用或被罚款。而且一旦欠款增加，持卡人所需付的利息也会越来越高。
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