The Merits and Demerits of Credit Cards?

Nowadays, it is undeniable that using the credit card has almost become one of the most popular way to shopping in present-day world. A huge number of people have their own credit card, even just students. Take my friend Wang as an example, who has own credit card. He often remarks to me that it's a convenient way to pay by using credit card. What's your idea as to it?

There are some opinions for account of my view. Firstly, as Wang says, credit cards widen the way we pay or buy something. It makes our life better by let us enjoy something we can't pay in full. We could be easy to get things we can't afford before. But, the other side is not far to seek. Because of buyying too much things that over our economic ability, we probably can't afford them. It means we spent too much money. It's a danger sign.

For my part, it is a really double-edged sword. The key is proper use. As students, we ought to have a wise plan before buyying anything. We should promote its benefits and raise the awareness of using credit cards.

评分与评价：

评分：18分（16-21分档）

评价：

1. 切题性：作文切题，围绕“信用卡的优缺点”展开，提到了信用卡的普遍使用、优点（方便支付、提高生活质量）和缺点（过度消费），并给出了个人观点。
2. 结构完整性：文章结构完整，分为三段，开头引入主题，中间分析优缺点，最后总结观点。

3. 语言质量：

   • 语言表达较为简单，存在较多语法错误和中式英语。
   • 一些句子缺乏连贯性，逻辑关系不够清晰。
4. 句型复杂度：文章使用了一些复杂句型，但整体句型较为单一，缺乏高级表达。

5. 扣分点：

   • 语法错误较多（拼写、搭配、时态等），扣3分。

     • “way to shopping” → “ways of shopping”。
     • “has own credit card” → “has his own credit card”。
     • “let us enjoy” → “letting us enjoy”。
     • “could be easy” → “can easily”。
     • “buyying” → “buying”。
     • “spent” → “spend”。

   • 中式英语较多，扣2分。

     • “A huge number of people have their own credit card, even just students” → “A huge number of people, including students, have their own credit cards”。
     • “It makes our life better by let us enjoy something we can't pay in full” → “It improves our quality of life by allowing us to enjoy things we can't afford immediately”。

   • 逻辑不清，扣1分。

     • “Because of buyying too much things that over our economic ability, we probably can't afford them” → “Because we tend to buy things that exceed our economic ability, we may not be able to afford them”。
   • 题目格式问题：题目后有问号，不符合标准格式，扣1分。
   • 未使用高级表达：文章缺乏高级词汇和复杂句型，扣1分。

优化建议：

1. 修正语法错误：

   • “way to shopping” → “ways of shopping”。
   • “has own credit card” → “has his own credit card”。
   • “let us enjoy” → “letting us enjoy”。
   • “could be easy” → “can easily”。
   • “buyying” → “buying”。
   • “spent” → “spend”。

2. 提升语言表达：

   • 避免中式英语，例如：

     • “A huge number of people have their own credit card, even just students” → “A huge number of people, including students, have their own credit cards”。
     • “It makes our life better by let us enjoy something we can't pay in full” → “It improves our quality of life by allowing us to enjoy things we can't afford immediately”。

   • 使用更高级的词汇和句型，例如：

     • “Credit cards have revolutionized the way we conduct financial transactions”。
     • “However, they can also lead to financial pitfalls if not used wisely”。

3. 增强连贯性：

   • 在段落之间增加过渡句，例如在第二段开头加入“However, credit cards also have some drawbacks”。
   • 使用连接词（如“Firstly,” “Secondly,” “However,” “In conclusion,”）增强逻辑性。

4. 调整题目格式：

   • 将题目改为“The Merits and Demerits of Credit Cards”（去掉问号）。

5. 补充高级表达：

   • 使用复杂句型，例如：

     • “While credit cards offer unparalleled convenience, they can also tempt users into overspending”。
     • “Proper management of credit cards is essential to maximizing their benefits while minimizing potential risks”。

通过以上修改，文章可以达到22-30分档，语言更加地道，结构更加清晰，句型更加丰富。