The reason that most individuals are in debt is due to the overuse and irresponsible use of credit cards. Banks should not issue credit cards unless they are completely sure of an individual’s ability to pay back their debts. To what extent do you agree with this?

Careless and irresponsible

use

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of

credit

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cards

push

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many people into

debt

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. Some people,

therefore

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, argue that banks should ensure the

customer

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’s ability to pay off their debts before issuing

credit

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cards

to

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them. I agree with

this

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view. While I insist that banks should check the

credit

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history of a person before offering them

credit

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cards, in my opinion,

this

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may not always help because the financial stability of a person can change any time. So there is no way banks can fully verify the repayment capacity of the

customer

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. Irresponsible

use

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of

credit

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cards can push anyone into the

debt

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trap. Still, the demand for

credit

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cards continues to increase. People consider

credit

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cards as a means to improve lifestyles. They borrow more money than they should as the

credit

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cards are easy to

use

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and readily acceptable in so many places. Unfortunately, some people cannot pay back the debts and get into huge financial trouble. Banks usually won’t issue

credit

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cards if they are not completely satisfied with the finances of the

customer

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. They always check the

credit

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history and financial situation of the

customer

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and

also

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explain the burdensome consequences that can happen to the

customer

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if they

use

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the card irresponsibly. Still, many people

use

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the card carelessly and get into permanent

debt

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. So it is unfair to blame the bank alone for the

credit

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card holder’s mistakes. Another factor that we need to acknowledge is the unpredictable nature of a person’s financial situation. People can fall ill or lose their job. Both of these are situations that can considerably affect a person’s ability to repay his

debt

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. In most cases

such

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situations cannot be predicted and are not in the control of either the bank or the

customer

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. To conclude, it is important for the banks to verify the

customer

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’s ability to pay back debts before giving them

credit

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cards. Customers

also

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have a responsibility to control their spending habits to protect themselves from

debt

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.