大學生英語辯論賽話題集錦(MP3+中英字幕) 第40場:信用卡是否利大於弊

For:

正方辯詞：

Credit card has more advantages than disadvantages.

信用卡的優點多於缺點。

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.

我認爲信用卡最大的優勢便在於它的使用方式。由於它簡單的操作過程，信用卡甚至在雜貨商店也能使用。它可以幫助我們在外出購物時免去攜帶大量現金的煩惱。另外，使用信用卡還能夠幫助你積累良好的信用記錄，這對將來申請貸款和租賃意義重大。

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.

信用卡對我的生活非常有幫助，它能夠讓我"先消費，後還款" 。因此，當遇到緊急情況而又現金不足時，信用卡就幫了大忙。

Against:

反方辯詞：

Credit card has more disadvantages than advantages.

信用卡的缺點多於優點。

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.

雖然信用卡給我們帶來了很多便利，但是卻爲我們埋下了更多隱患。第一個隱患就是信用卡偷竊。如果信用卡被偷，那你將會大難臨頭。小偷會刷你的卡大量消費，所以你很可能會陷入大麻煩中。

In addition, credit cards are inviting people to spend more money 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，信用卡會促使人過度消費，從而使持卡人陷入債務危機之中。在某些信用卡公司，持卡人如果推遲還款或者無能力付最小限額的債款，他們就必須額外交付相應的費用或被罰款。而且一旦欠款增加，持卡人所需付的利息也會越來越高。