Nowadays plastic money replacements such as credit and debit cards are extremely popular, even more than banknotes and coins. Discuss the advantages and disadvantages of this. Give reasons for your answer and include any relevant examples from your own knowledge or experience.

In many parts of the world, the conventional method of payments almost vanished due to advanced counterparts. Credit and debit cards have become an

indispensible

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indispensable

part of our lives. Despite numerous benefits of

this

modern trend, it

also

has certain drawbacks which should be considered as well. On the one hand, bank cards have simplified many aspects of peoples' lives.

Firstly

, most

of

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apply

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b

Add an article

the

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anks provide

such

option as delayed payment. Goods can be purchased and money can be withdrawn later on.

Secondly

, paying via bank

card

terminal, customers often receive bonuses or some amount back.

This

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is

was

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done to encourage clients of

card

issuing organisation to use their services

further

. The

last

but not least, with cash substitutes it became possible to transfer money without direct contacts.

This

merit is especially crucial in today's new normal, as due to coronavirus pandemic it is essential to decrease

a

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the

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number of direct contacts.

On the other hand

, the advanced method of payments has

also

certain demerits.

To begin

, the popularisation of credit cards has brought new ways of

cyber crime

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cybercrime

show examples

. Take Kazkom collapse,

for example

,

fraudeurs

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fraudsters

hacked the bank system and

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freeze

freezed

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froze

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all clients' accounts.

Moreover

, it is impossible to pay if there is no internet

,

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apply

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because all credit

card

operations

depends

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depend

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on

o

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the

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nline system.

Finally

, the lose of payment

card

can leave

i

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an

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ndividual without possibility to buy something as he should wait another 7 days for

c

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the

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ard's

reissuance

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issuance

. To conclude, the convenience of plastic cards made them popular.

However

, people should consider

such

demerits as

cyber crime

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cybercrime

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and try to secure their money.