另外，国内的信用卡的使用仍然处在发展中的状态，对于那些没有及时归还欠款的持卡人，其信用状况大大减小了国内公民的平均信用水平，使得国家整体信用一直处于“上也不是，下也不是”的一种状态。大学生属于没有收入的人群，其经济来源基本上依赖父母，如果大学生过度使用信用卡消费，自己没有经济来源无法还款，只能向家里伸手了。以上是我个人观点，希望对楼主有帮助。
帮忙找找英语作文 《大学生使用信用卡的利弊》
Credit CardsPersonal credit cards are becoming more common in China. Banks and other financial institutions are encouraging their customers to change the way they buy things.
If a credit card is used in the correct way and you keep up with your payments, they can be very valuable in many aspects.
One of the most beneficial aspects of having a credit card is that it can be easier to buy things. Some companies, such as those in the travel sector like hotels, airlines and car rental companies prefer payment by credit card.
A more obvious benefit of a credit card, and one of the main reasons people apply for a credit card, is that you have access to money during emergencies.
But people need to be careful. There are dangers associated with credit cards. Some people find it very easy to exceed their budget. They are tempted to purchase goods that they do not really need, and can become quickly overburdened by debt.
My Opinions on Credit Cards is: Although credit cards are becoming a more acceptable part of the financial scence, it promote our consumers to spent more.
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.
大学生使用信用卡的弊端有哪些啊
信用卡的弊端：国内的经济仍然是属于发展中水平，国内公民的信用状况平均水平不高，一些信用状况不佳的持卡人恶意使用信用卡透支而不归还欠款，使得银行系统存在大批量的坏账，影响整体经济系统；一些经济水平不高的持卡人，虽然不是恶意欠款，但是持卡人使用信用卡成为一种习惯后，其经济水平无法完成欠款的归还，同样使得经济系统的败坏。
另外，国内的信用卡的使用仍然处在发展中的状态（俗称测试阶段），对于那些没有及时归还欠款的持卡人，其信用状况大大减小了国内公民的平均信用水平，使得国家整体信用一直处于“上也不是，下也不是”的一种状态。
大学生属于没有收入的人群，其经济来源基本上依赖父母，如果大学生过度使用信用卡消费，自己没有经济来源无法还款，只能向家里伸手了。
以上是我个人观点，希望对楼主有帮助。