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?

During the past decade or

two

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,two

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there has

has

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apply

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been a rapid increase in the usage of

credit

cards

.

However

, unfortunately, not all the card owners are clearing the

debt

. I completely agree

to

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with

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the statement that

banks

need to do stringent checks before issuing the

credit

cards

.

This

essay asserts the opinion stated using two reasons

first

, customer spending money lavishly, and

second

,

banks

not doing relevant background checks before issuing the

cards

.

To begin

with,

card holders

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cardholders

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spending money

extravagently

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extravagantly

could always be a threat to pay post-paid card bills.

For example

, if an employee buys a very costly car than a normal car, in a desire to lead life comfortably that could be a possible reason to not pay

debt

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the debt

a debt

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in time. Here it is understood that employee in rush to lead life

conviently

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conveniently

, is trying to spend recklessly by buying a car whose price is exorbitant. If people think pragmatically, these things can be avoided and there will be

less

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fewer

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debts

. Moving on to the

second

reason where user

debts

can be

redued

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reduced

is, by doing strict and relevant checks of

user profiles

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user-profiles

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for whom the

cards

are being issued.

For instance

,

usually

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,usually

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banks

offer

credit

cards

based on the employee's

pay slip

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payslip

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or salary, but the risk here is if the person

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loses

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looses

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loses

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his job the

debt

remains in

backlog

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the backlog

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. If

banks

form more stringent rules like agreeing to some legal conditions in case

debt

is not

payed

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paid

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, people will become more serious and tend to pay bills. To conclude, the excessive usage of

credit

cards

leads to

debts

in

banks

.

Therefore

it is obvious that

,

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apply

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there is a need to clear these

debts

. Upon thorough analysis on

this

subject

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,subject

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it can be said that

,

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apply

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this

scenario can be avoided by customers spending frugally and

banks

inspecting

user profiles

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user-profiles

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and establishing rigid rules.