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. 在回答這個問題時，你可以討論使用信用卡的優點和缺點。從優點方面來看，信用卡帶來便利，讓人們無需攜帶現金即可購物。它們還提供建立信用記錄的方式、賺取獎勵以及防止詐騙的保護。 2. 從缺點方面來看，信用卡因為容易取得信用額度，可能導致過度消費，如果管理不善，高利率可能會導致大量債務。此外，還有身份盜用和詐騙的風險。你可以舉例或描述情境來說明這些觀點。