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

Use synonyms

cards and debit cards.

However

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, 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

Use synonyms

cards and debit cards have more benefits than the drawbacks.

Firstly

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, everybody should have equal right to enjoy the flexibility of payment.

Although

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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

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, they do not issue

credit

Use synonyms

cards for people who do not have stable jobs and the ones who once experienced a bankruptcy.

Secondly

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,

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

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, my strongest argue is that banks that issue

credit

Use synonyms

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

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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

Use synonyms

cards

Suggestion

card

payment system can

also

Linking Words

protect consumers against illegal finance organisations that often trigger crimes.

Therefore

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, I believe that banks should provide those cards for their clients without discrimination of the gap between incomes of clients.