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?

In our modern society, people have less chance to pay by cash thanks to the ubiquity of
credit
cards and debit cards.
However
, despite the fact that some people have difficulties
to
Suggestion
in
with
paying their debts back to the banks, I believe that paying by
credit
cards and debit cards have more benefits than the drawbacks.
Firstly
, everybody should have equal right to enjoy the flexibility of payment.
Although
I concede that some argue that banks are often irresponsible and offer
cards even
Accept comma addition
cards, even
for people who are from low-income societies that often causes them high debts, but most of
banks
Suggestion
the banks
have protections against debts that
individual
Suggestion
an individual
the individual
might suffer later.
For example
, they do not issue
credit
cards for people who do not have stable jobs and the ones who once experienced a bankruptcy.
Secondly
,
individuals'
Suggestion
individual's
debts are not always
banks' fault
Suggestion
the banks' fault
a banks' fault
. In my opinion, it is true that some
peopl
(plural) any group of human beings (men or women or children) collectively
people
lack financial management skills and tend to spend money overly. What's more, even though banks have some criteria for their clients to hold payment cards, it is very difficult for bankers to investigate if the each client is adept at budgeting.
Finally
, my strongest argue is that banks that issue
credit
cards prevent their clients from renting money from anti-social groups that can lead many kinds of crimes later on. In fact, there are a number of people who got involved with those
backstreet
Suggestion
Backstreet
finance
Suggestion
finances
and ended up with being in engaged with serious crimes. In short,
although
some individuals sometimes are not able to pay back their debts due to the banks that issued the cards without checking their clients financial backgrounds,
credit
cards
Suggestion
card
payment system can
also
protect consumers against illegal finance organisations that often trigger crimes.
Therefore
, I believe that banks should provide those cards for their clients without discrimination of the gap between incomes of clients.
Submitted by Erina on

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