Personal credit cards are becoming more common in China. Banks and other financial institutions are encouraging their customers to change the way they buy things. Credit cards, known as “plastic money”, are being offered on very good terms to encourage the change. Consumers will be able to “buy now, pay later”, and many see this as an advantage.

Personal credit cards are becoming more and more common in China. Banks and other financial institutions are encouraging their customers to change the way they buy things. Credit cards, known as "plastic money," are providing very good conditions to encourage change. Consumers will be able to enjoy "buy now, pay later," which many consider an advantage.

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. The credit cards often charge a high rate of interest, which exacerbates the problems for these people.

But people should be careful. Credit cards come with dangers. Some people find it easy to exceed their budget. They try to buy goods they don't really need and quickly become overburdened with debt. Credit cards tend to charge higher interest rates, which exacerbates these problems.

However, wisely used credit cards can improve the quality of people's lives. They can give people access to money to meet sudden unplanned expenses. Properly handled, they can let people control their expenditure and the monthly statements provide a record of where their money has gone.

However, rational use of credit cards can improve people's quality of life. They can get money to cover sudden, unexpected expenses. Done right, they allow people to take control of their monthly spending and record a statement of how much they spend each month.

Comment: This is an argumentative essay about the pros and cons of credit cards. It can be divided into three parts: the first part, the benefits of credit cards, such as emergencies, etc.; the second part, some disadvantages of credit cards, such as encouraging some useless consumption; the third part: your own point of view, use it rationally.