1)近年來越來越多的大學生開始使用信用卡
　　2)分析產生該現象的原因
　　3)針對大學生使用信用卡提出你的建議 　
　　Credit Cards on Campus
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　　行文思路
　　本題屬于提綱式文字命題。提綱第1點指出一種現象，提綱第2點要求分析產生該現象的原因，提綱第3點要求針對該現象給出“我”的建議，由此可判斷本文應為現象解釋型作文。
　　根據所給提綱，本文應包含如下內容：描述大學生使用信用卡的現狀;分析大學生信用卡用戶增加的原因;針對大學生使用信用卡提出“我”的建議。
　　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.
　　【亮點點評】
　　[1]“越來越流行”。
　　[2]“隨著”，介詞。
　　[3]“越來越多的”。
　　[4]用于引出原因。
　　[5]過渡銜接詞語，使文章條理清晰、銜接緊密。
　　[6]which引導非限制性定語從句。
　　[7]表示“吸引”的兩種不同的方式，用詞富于變化。
　　[8]“由此，因此”。
　　[9]“only+狀語”位于句首，引起句子部分倒裝。
　　佳句臨摹
　　1.佳句：With banks’ more focus on college market, an increasing number of college students have applied for a credit card.
　　臨摹：隨著市場經濟的快速發(fā)展，金錢在社會中扮演著越來越重要的角色。
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　　2.佳句： A credit card can help those poor students pay their tuition and fees, and hence reduce the risk of their dropping school.
　　臨摹：一些同學希望通過社會實踐提高自己的能力，并由此來增加就業(yè)機會。
　　3.佳句：Drawed by these policies, many college students apply for credit cards.
　　臨摹：在就業(yè)壓力的迫使下，一些大學生開始自主創(chuàng)業(yè)。
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　　【KEY】
　　1. With the rapid development of market economy, money plays a more and more important role in the society.
　　2. Some students hope to enhance their practical abilities by attending social practice, and hence increase their chances of employment.
　　3. Forced by employment pressure, some college graduates begin to set up their own businesses.

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