现在很多信用卡产品就是面向大学生这一群体的，因此办卡非常方便，提供有效的身份证明就好。还可以实现如30天免息，无息分期付款的便捷功能，而且大多数都是第一年免年费，第二年刷卡6次免年费（年费200）。
优点：更早的建立信用档案，随着你的消费，还款，你的可用额度会越来越高，这将会给你以后的生活工作带来极大的便利，良好的信用积累有助于在金融业中的形象。并且，像招商银行Young卡，建行信用卡之类的经常会搞一些特价，还可以分期。
缺点：大学生由于其年龄特点，对于很多似的重视程度不高，因此，极容易因为信用卡使用不善而产生信用问题，要知道，信用问题一旦产生，你在整个金融行业都会有阴影，特别是在以后（参照现在的美国），信用问题尤其重要，想想次贷危机吧。
还有，大学生的购买欲有时是家长限制的，如果你拥有一张刚开始就可以透支1500元的信用卡，可以保证不增加额外开支么。
缺点和优点都是相对的，请根据需要选择适合自己的信用卡产品。
一、翻译英语句子,谢谢.近年来越来越多的大学生开始使用信用卡
我。。知。。道
加。。我。。私。。聊
二、求一篇原创的(大学生用信用卡)的英语作文
范文1 taking a part-time job nowadays, many people think that college students should take a part-time job for several advantages. for one thing, it gives the students a chance to know the society to learn to be independent. for another, they can also get financial reward and working experience as well, such as teaching or selling practice, which is helpful to their growth. what's more, they can put what they have learned into practice, and know their strong and weak points so that they can improve their studies and personalities, which are beneficial in their later lives. however, still many people think taking part-time job may have some negative effects on students. in their opinions, it will take them much time and energy, and will affect their studies as a result. what's worse, some students may be so keen on making money that they may neglect their studies in the end. in my opinion, i am in favor of taking a part-time job.