The reason the most individual are in debt is due to the over use as well as irresponsible use of credit cards

Unreasonable, and excessive

use

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of

credit

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cards push anyone in the debt.Some people argue that before issuing

credit

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cards incapability and financial conditions must considerably checked by finance companies.

Although

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,

Accept space

,

I agree with

this

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view, in my opinion,

this

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may not work in all terms because other factors

also

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affect the dues of

credit

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cards which are totally out of control of bank. Ignorance and lack of knowledge regarding the

use

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of

credit

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cards can push consumers in debit trends.Still, the demand of

credit

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cards continues to increase.

This

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is because people seem

credit

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cards a mean to improve their lifestyles.They more borrow than they should as

credit

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cards is easy to

use

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and readily Acceptable at many places.Unfortunately, some people cannot pay off the debt and get into the Financial trouble. Banks usually won't offer

credit

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card facilities how long they are not fully satisfied with customers financial conditions.They always check

credit

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history and present banking statements which help them to unexpected losses and unfair situations.

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this

Suggestion

This

means that financial company's

first

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check financial statements before providing the

credit

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cards to anyone.To illustrate, Hdfc bank gives

credit

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facilities to its customers only when there is no any bouncing statement to maintain in the current account. Other factors

such

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as unpredictable conditions.If a customer falls ill and loses its job and fail to pay back the dues of

credit

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cards.

Thus

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, these unpleasant situations would not be judged in advance.

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therefore

Suggestion

Therefore

, there is no permanent and stable measure to examine the stability of repayment of banks and finance companies. To conclude, banks should actively consider the financial stability and

credit

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history of customers, at the same time, customers

also

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use

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the

credit

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cards in a rational way to keep them safe from unexpected debts.