Recently some banks extend their business to university campus and offer credit cards to students. A lot of people worry that credit cards may bring harm to students, while others dont think so. What is your opinion? Write on ANSWER SHEET THREE a composition of about 200 words on the following topic: Will Credit Cards Bring Harm to the Students? You are to write in three parts. In the first part, state specifically what your opinion is. In the second part, support your opinion with appropriate details. In the last part, bring what you have written to a natural conclusion or a summary. Marks will be awarded for content, organization, grammar and appropriateness. Failure to follow the instructions may result in a loss of marks.