The debate on cash versus credit card has been going on for some time. Credit is still a fairly new concept within the history of finance; so many people would rather stick with paper money. According to you, which is a better payment method, cash or credit? Give reasons for your answer and include any relevant examples from your own knowledge or experience. Write at least 250 words.

#debate #cash #credit #card #time #concept #history #finance #people #paper #money #payment #method

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In the modern era, the digital payment has increased compared to the traditional modes of payment.

This

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is an evolution in the finance industry and not completely accepted view as of now. I agree with

this

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concept. In the following essay, I would like to highlight the advantages and disadvantages of the two modes of payment.

Firstly

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, Digital transactions have been of great help to youngsters like me. Individuals of the current generation are accustomed to the technology and everything that comes with it has bee an add-on.

Additionally

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, Multitude of activities can be completed just by a touch on the mobile phones. With concepts like "One-time-password" and "Unified-payment-Interface", life has become invariably simple.

For instance

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, in my day-to-day life, I do not carry cash around that often, especially for grocery shopping or buying minimalistic household items or stationery goods.

Instead

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, I make most of the payments with apps like GooglePay, Paytm, Phonepe and PayPal. The online mode of settlement has made my life easier.

Furthermore

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,the Digital world has been quite an eventful and helpful environment,especially nowadays, with the pandemic in place, the no-touch policy would have been extremely difficult.

On the other hand

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, there have been instances with online frauds and scams,

this

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is a debatable concept. The main reasons for

such

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unfortunate events are the website security and unawareness. If people are educated on these modes of transfer, they would be much careful and make payments on verified applications.

For example

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, one of my colleagues lost his money after an online settlement on an unknown website.

Moreover

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, the security breaches identified should be taken seriously and fixed immediately. The set of people behind

such

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activities are referred to as hackers. These hackers should be given a punishment or should be barred from utilising

this

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skill on negative events. In conclusion,

this

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change in the contemporary era from cash to credit can be handy but has its demerits as well.

Nevertheless

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, if the online payments are given more assurance and guidance, the usage of

such

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platforms and the credit mode utilisation can be increased.

Submitted by Vandana on Fri Jan 22 2021

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11
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meeting the goal of 7 or more
0
Word repetition
meeting the goal of 3 or fewer
0
Grammar mistakes
detected issues

0123456789.0505

Overall Band Score

Coherence and Cohesion: 7.0

Logical structure

Introduction & conclusion present

Supported main points

Accurate linking words

Variety in linking words

Lexical resource: 9.0

Varied vocabulary

Accurate spelling & word formation

Grammatical Range: 9.0

Mix of complex & simple sentences

Clear and correct grammar

Task Achievement: 7.0

Complete response

7.5

Clear & comprehensive ideas

Relevant & specific examples

Appropriate word count

5 paragraphs

344 words

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Topic Vocabulary:

convenience
security benefits
fraud and theft protection
credit score
financial products
rewards programs
cashback
budgeting
tracking expenses
overspend
debt accumulation
interest payments
universal acceptance
privacy
financial benefits

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