To be honest, I think this topic is congenitally deficient ... The credit card system itself must be beneficial and reasonable, otherwise it will not be widely used in the world.

But from another angle, the current rationality of the credit card system must be a strong argument of the opponents, and they will use it to talk about things. If you confront them directly in this respect, you will definitely die.

I think you can try to think about this problem from the perspective of the inferiority of human nature. If the credit card system itself is a reasonable and favorable system, it can be considered as an "idealization", but the reality is that the user's human nature is out of control, so there will be mistakes and excessive use of credit liabilities. In essence, credit card is to spend money in the future, so it is always unknown whether there is any problem in debt. The result is determined by the game between people's irrational control and the reasonable implementation of credit card. We can't say that there is no problem now, and there is no problem with the use of credit cards. (This is tantamount to fundamentally denying the opponent's argument, because their theory must be based on realistic evaluation, but there is no sufficient evidence for the future.) When do friends need the four-argument draft of "credit card consumption does more harm than good"? Credit cards do more harm than good

What is this about? Even the best tool has its weakness, that is, its users. This one obviously applies to credit cards. If the disadvantages outweighed the advantages, the bank would have stopped this business long ago. Topic of the debate: Setting up a Weibo with real-name authentication will do more harm than good. Ask for advice

Most people only set up Weibo to find a platform to talk and share their feelings. And real-name authentication means taking responsibility for what you have said. People have different mental states at different times. After all, people are human beings and always have their own feelings. We don't have to think twice every time we say something. It is common to say the wrong thing, and it is also common to be accused. But the attitude of the whole society should focus on blaming the wrong things and not admitting mistakes, rather than blaming the wrong people. Most people have a correct understanding of things, and I believe all of you here do, so I also believe that when you accidentally make a mistake that many people blame, I believe you will understand it and correct it. When many people are accused, they don't accept it so strongly. The retarded people in this society are still the majority. We should give them more protected space. If we must make them understand your opinion, I believe most people can understand it through public opinion. Our focus on public affairs should be harmonious and develop in a direction beneficial to most people. Most people still don't want to give their names even if they say a word, so we should respect the right of most of us to express some of our thoughts by an irrelevant name. Speech without too much responsibility is the real voice from the heart, and it has no falsehood and purpose. Debate on the disadvantages of reading youth novels outweigh the advantages

Disadvantages are: it is a waste of resources and not environmentally friendly. . . 1. Reading books on computers and mobile phones for a long time will make your eyes tired. . . Form myopia, and it is not good for cervical vertebrae. . . You can find out the specific injuries to your eyes. . . 2. Moreover, reading books online is a waste of network resources, and the formation of traffic will affect other kinds of networks and cause bad phenomena ... 7933

Now there is a debate on "whether the consumption of credit cards outweighs the disadvantages or the disadvantages outweigh the advantages".

You should say "credit cards".

The positive side is easier to write. Credit cards can effectively spend money, increase GDP, enrich market consumption patterns, and solve short-term needs for people who are short of money.

However, it is easy to refute the argument that "excessive consumption" has become a "card slave".

Generally, people who are irrational will become slaves, just like a gun, which can be positive to the society on the police and harmful to the bad guys. In general, guns can only be owned by licensed people. Similar to the credit card, if the person's self-control ability is not good, he will play with fire and set himself on fire, which is contrary to the overall situation, because if the credit card is really bad, * * * will have stopped issuing and using it!

There is another opposing point of view, that is, "credit card crime", which is also easy to refute:

Most of the reasons why credit card crimes are caused are because banks fail to properly handle and audit in pursuit of unilateral "performance", which will lead to credit card crimes! There are very few people who specialize in taking advantage of the loopholes in the bank and want to try their best. As long as the bank is properly closed, credit card crimes will be greatly reduced. This is like a public swimming pool where anyone who wants to swim can come, but a regular swimming pool requires customers to provide health certificates and other health certificates. If the swimming pool is "open to all", it will easily lead to one patient being transmitted to other patients. If the swimming pool is properly closed, can it be effectively avoided?

well, that's it, you should write more about the benefits of having a credit card!

if it is useful, please adopt it. thank you! Debate materials that college students use credit cards do more harm than good.

I suggest you don't drive.

Generally, credit cards have an annual fee, unless there are some hard and fast conditions, such as the credit card of Guangfa Bank. If you swipe it six times a year, you will be exempted from the annual fee, but I don't know if other banks have such conditions. However, as a student, there is no independent source of income, so you usually have to pay for it at home, so once you get into the habit of spending by credit card, it is often easy to spend money, that is, the expenses given to you at home are generally not enough, which will easily cause you to fail to repay the loan, which may have a bad impact on your credit, resulting in the failure to get a loan for buying a house or a car in the future.

the credit card has a good starting point, but it is suitable for different people. Today's use of tomorrow's money is actually to relax your current economic situation and buffer payment. However, as a college student without financial resources, it is difficult to repay, especially the concept of financial management has not yet formed, and the phenomenon of excess occurs from time to time, which is very troublesome.

I hope it helps you, hehe. . . . Debate contest: smoking does more harm than good to personal development

Reasons why smoking does more harm than good to personal development:

1. Smoking can refresh us all night, which is the so-called night cat. It's really hard to endure without smoking. If you don't believe me, try climbing down immediately. 2. Smoking has become a communication substitute in modern society, requiring people to do things, without smoking. Smoking is a bridge to make friends, which can shorten the distance. People who smoke must have experienced

4. Sometimes, cigarettes can also produce anti-substances, such as fighting SARS, and the medical profession has proved that it does have this function

5. Cigarettes can promote the circulation of national currency and reduce the number of unemployed people. From planting, production and promotion, too many unemployed people can be solved

6. Smoke is the best friend when you are lonely and lost, and only it is a good companion of a bosom friend

7. Smoke can give a tense and depressed life (including mood), give spirit and enjoyment, make yourself comfortable, take a sip, take a sip, relax your tired body, and give space and time for daydreaming and thinking

8. Smoke has a special smell of drums and tobacco, and many people like it. When I was a child, I liked to smell the faint smell of tobacco on my father, which was very special and attractive. Debate words that do more harm than good in Chinese open-book exam

There are two kinds of exams, one is to test knowledge and the other is to test ability.

Those who take the knowledge test can't open their books, because opening books will make students stop memorizing knowledge, such as reciting beautiful ancient prose.

Those who test their abilities should open books, because opening books can help students avoid making mistakes in some small problems, such as misusing classics or writing typos. Debate: Financial supervision does more harm than good. What should be done?

There is the possibility of corruption in human operation. Regardless of the supervision of social institutions, there is the possibility of abusing power for personal gain in the daily operation of commercial companies. This is the complexity of human nature. It has nothing to do with where the supervision comes from.