1)近年来越来越多的大学生开始使用信用卡
2)分析产生该现象的原因
3)针对大学生使用信用卡提出你的建议
Credit Cards on Campus
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行文思路
本题属于提纲式文字命题。提纲第1点指出一种现象，提纲第2点要求分析产生该现象的原因，提纲第3点要求针对该现象给出“我”的建议，由此可判断本文应为现象解释型作文。
根据所给提纲，本文应包含如下内容：描述大学生使用信用卡的现状;分析大学生信用卡用户增加的原因;针对大学生使用信用卡提出“我”的建议。
高分范文
Credit Cards on Campus
In recent years, credit cards have [1]gained more popularity among college students. [2]With banks’ more focus on college market, [3]an increasing number of college students have applied for a credit card and begun to consume by it.
[4]The following three factors can account for the popularity of credit cards in college. [5]Firstly, a credit card provides overdrawing service, [6]which is [7]a big attraction for those students who have no much money for their domination. [5]Secondly, a credit card can help release financial burdens on those poor students, and [8]hence reduce the risk of their dropping school for lacking money. [5]Besides, many banks make some preferential policies on credit cards, like sending a gift, lowering year cost. [7]Drawn by these policies, many college students apply for credit cards.
[5]As far as I am concerned, it is not a bad thing for college students to own credit cards. [5]However, there is misuse of credit cards among college students. Many students use credit cards to buy luxurious things they don’t need really, and even some of them owe a big credit cards debt. [5]Therefore, schools and banks have responsibility to let college students learn how to use credit cards properly. [9]Only in this way can college students enjoy really the advantages of credit cards.
【亮点点评】
[1]“越来越流行”。
[2]“随着”，介词。
[3]“越来越多的”。
责任编辑：虫虫
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