1.When answering this question, you can discuss both the benefits and drawbacks of using credit cards. On the advantages side, credit cards offer convenience, allowing people to make purchases without carrying cash. They also provide a way to build credit history, earn rewards, and offer protection against fraud. 2.On the disadvantages side, credit cards can lead to overspending due to easy access to credit, and high-interest rates can result in significant debt if not managed properly. Additionally, there is a risk of identity theft and fraud. You can provide examples or scenarios to illustrate these points.

1. 在回答这个问题时，你可以讨论使用信用卡的优点和缺点。在优点方面，信用卡提供了便利，使人们无需携带现金即可购物。它们还提供了一种建立信用记录、赚取奖励以及防止欺诈的方式。 2. 在缺点方面，信用卡由于容易获得信用额度，可能导致过度消费，而且如果管理不当，高利率可能会导致巨额债务。此外，还存在身份盗用和欺诈的风险。你可以提供例子或情景来说明这些观点。