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lity of people’ s lives. They can give people access to money to meet sudden unplanned expenses. Properly handled, they can let people control their expenditure and the monthly statements provide a record of where their money has gone. So I think we should use it in an appropriate way. 作文模板仿寫 Directions: for this part, you are allowed 30 minutes to write an essay entitled Frustration is necessary for college students You should write at least 120 words following the outline given below: 1. 挫折在生活中不可避免 2. 大學生遭遇挫折時的負面表現 3. 進行挫折教育的必要性