The reason that most people are in debt is the overuse as well as irresponsible use of credit cards. Banks ought to do a background check and only issue credit cards to individuals who have the ability to pay back their debts. What is your opinion?

I agree to the fact that many
credit
card
holders spend extravagantly without realizing the payback terms and conditions. I am going to express my views on how banks can verify one’s capability to repay in the following essay.
Credit
Suggestion
The credit card
card
is a marketing gimmick in
banking sector which
Suggestion
the banking sector, which
the banking sector which
allows you to spend, without having money in your account. They give the leverage to spend up to a certain limit which was fixed while applying for the
credit
card
based on current income. Usually
credit
card
holders spend more than required because they are not spending actual money and the limit is usually 2 to 3 times of their income,
also
, not aware about the payback terms and conditions that they need to pay back the spent money with a pre-defined percentage interest in a pre-defined time. Not doing so will attract penalties and higher
interest of returns
Suggestion
interest returns
.
However
, bank authorities can make it mandatory to do a proper background check before issuing a
credit
card
. Sales representatives should be penalized if
proper background check
Suggestion
the proper background check
a proper background check
is not done.
Back ground check
Suggestion
A background check
Background check
Background checks
should include the list of existing
credit
cards, their payback payment patterns, current liabilities, the existing
credit
card
spending pattern, source of income.
For example
, banks should not issue
credit
cards to students or fresh professionals as they do not satisfy the basic eligibility criteria’s for holding a
credit
card
. All in all, more and transparent information to
credit
card
seekers and proper verification of eligibility criteria before issuing a
credit
card
will help people use the
credit
card
efficiently and to clear the debts in time.
Submitted by sudeep on

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