1. People today increasingly use credit cards to make monthly purchases. Do the advantages of this outweigh the disadvantages?

Nowadays, many individuals tend to use plastic

money

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for every month

Verify preposition usage

of

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transactions. The prime benefit of

this

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is that it provides financial back up at the time of emergency, and the drawback is that people might land up in purchasing more than their budget limit. I personally believe that benefits eclipse the drawbacks. To commence with,

credit

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card

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users are often in deficit due to overspending. As the

credit

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card

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provides instant

money

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to the cardholder, they can purchase products and avail of services which are out of their budget. Eventually, they may end up with a huge debt which needs to be paid on time;

otherwise

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,

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they will have to pay penalties for late payment.

For example

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, in India

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,

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56 % of individuals working in Information technology sectors tend to use cards and ended up in bankruptcy after which they surrendered their cards to the respective banks.

However

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, I believe these can be controlled as it is the sole responsibility of

a

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an

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individual.

On the contrary

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, the prime benefit of using a

credit

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card

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is that it provides a financial backup for

a

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an

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individual in emergency situations. If an individual needs monetary support instantly

then

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the

card

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service is a huge relief to them because it provides

money

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without any additional paperwork.

Similarly

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, many youngsters nowadays prefer to do cashless transactions as there is no need for them to be scared and conscious about the

money

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they have to carry.

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, 78 % of young individuals in Germany tend to buy grocery shopping for more than 500 Euros and they feel stress-free when they pay using a

credit

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card

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.

Moreover

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, it is the easiest and convenient method of transaction.

Hence

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, I think these benefits are essential in

i

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an

the

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ndividuals life. In conclusion, even though people may end up in spending unnecessarily, I believe that it can be managed by taking initiatives from each and every individual on their own

,

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apply

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because the benefits of using

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c

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a

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redit

card

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is

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are

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more as it is secure and can be used in urgent circumstances.