1.目前出现许多年轻人变成“卡奴”现象

　　2.出现这一现象的原因

　　3.我对这一现象的看法和建议

　　范文：

　　On Card Slave

　　As people change the patterns of consumption,it is common for people to have several cards.Then “Card slave” is coined.“Card slave” refers to people who can only pay the minimum balance on their credit card debt every month.Many youngsters fall under the so-called card-slave category.

　　The reason behind “card slaves” varies.The fierce competition among banks, Chinese or foreign,encourages them to lure customers to hold more credit cards.Unfortunately,some card holders,especially youngsters with large shopping addictions and small salaries,have outstanding credit card debts and gradually became “card slaves” after reaching their credit card limit on luxury items.Due to their meager salaries,they always live on the edge of bankruptcy.

　　In my opinion,people should manage their financial affairs.First, only choose the credit cards that suit you the most.Secondly,manage your cards properly.Get some good tips from internet and follow them.Thirdly, increase income and avoid excessive expenses.These tips will help you keep away from the danger of becoming a “card slave”.