【正确答案】[范文]
   
   Credit cards have been an integral part of college students' life for many years. An increasing number of college students would like to use credit cards rather than cash to pay for things. After careful observation, we can find that things are more complicated than what we have thought.
   On the whole, I think that credit cards are necessary for college students. For one thing, credit cards offer them a safe way to pay their tuition fees, and thus reduce the risk of a large sum of money being stolen. For another, most credit cards provide a variety of services, which simplify students' shopping procedures. To make the best use of credit cards, however, we have to be dear about the following points. For one thing, we should lay down some rules on campus to stop credit card fraud and other misconduct. For another, we should not rely too much on credit cards, or else we will fall into debt.
   All in all, credit cards play an important part in college students' life nowadays. Only by planning wisely and using them reasonably can we make the best use of them.