【正确答案】[范文]
   Lots of banks have offered credit cards to college students, which raises a general debate. People's views on the issue vary.
   Some people believe that owning credit cards not only makes students' life more convenient, but also gives them a good opportunity to develop a sound financial sense. Furthermore, it can help them establish a good credit record.
   However, others think the disadvantages outweigh the advantages. They argue that credit card lures students to become lavish spenders. Students may spend well beyond their means and end up in debt that they can't pay off. What's more, since interest rates are often high and penalties are severe if one fails to pay on time, students may gradually become "credit card slaves" and can hardly focus on their academic life.
   There is something true in both arguments, but the credit card in itself is neither good nor bad. Perhaps a happy medium is to get a credit card, set a proper credit limit and spend it rationally.

【答案解析】 第一段指出银行向大学生开放信用卡业务的现象。
   第二、三段分别说明人们对学生使用信用卡的不同观点：①有人认为信用卡可以培养学生的理财观念；可以建立个人信用记录。②有人则认为信用卡可能会导致学生过度消费，无力偿还，并给学习带来不良影响等负而因素。
   第三段综合双方观点，提出自己的见解。
[参考译文] 不少银行已经向大学生提供信用卡业务，这引发了一场广泛的讨论。人们对此意见不一。
   有些人认为，使用信用卡不但使学生们的生活更加方便，而且给了他们很好的机会培养健康的理财观。除此之外，它还能帮助学生们建立良好的信用记录。
   然而，其他人却认为使用信用卡弊大于利。他们争辩道，信用卡引诱学生成了奢侈的挥霍者。学生们有可能会消费过度，超过其偿还能力，最终负债累累。无力偿清。另外，信用卡利息通常很高，一旦没准时支付，罚金非常重，所以学生们有可能成为“信用卡奴”，很难把精力集中在学术生活上。
   两种言论都在一定程度上是正确的，但是信用卡本身并无对与错。或许折中方案就是办一张信用卡，设置合适的额度限制，并且理性地消费。