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.

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

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With the implementation of demonetisation, payment methods became a hot topic of discussion. While some side towards

credit

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cards, many people still prefer to stay with

cash

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citing the reason that

credit

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is still a newer concept in the long history of finance.

This

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essay elaborates on why I feel that

credit

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cards are a preferred payment method as compared to physical currency.

To begin

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with, there are definite advantages to the virtual exchange of money.

Firstly

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, there is no need to carry rupee notes in your wallet and just a card is sufficient.

Secondly

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, there is a limit to the amount of

cash

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that one can practically carry with himself, a drawback not faced by virtual money.

For example

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, when I visited the Apple store to buy a phone which costs 150,000 rupees, it would have been mighty inconvenient to carry

this

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large amount in

cash

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. But as I had a

credit

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card, I could travel with a lighter pocket.

Moreover

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cash

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also

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has some inherent disadvantages.

First

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of all,

cash

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transactions happen off-paper, without leaving any trail.

Thus

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, paper money can be used as a source of corruption and bribery.

For instance

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, I was once asked a bribe of Rupees 500 by a traffic policeman as I had forgotten to carry my driving licence. In conclusion, due to the advantages like convenience and safety offered by the

credit

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card and the drawbacks associated with

cash

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such

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as fake currency and bribery, I believe that virtual payments are superior to physical notes.

Submitted by skullyani on Thu Mar 25 2021

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11
Linking words
meeting the goal of 7 or more
2
Word repetition
meeting the goal of 3 or fewer
0
Grammar mistakes
detected issues

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Overall Band Score

Coherence and Cohesion: 9.0

Logical structure

Introduction & conclusion present

Supported main points

Accurate linking words

Variety in linking words

Lexical resource: 8.0

Varied vocabulary

Accurate spelling & word formation

Grammatical Range: 9.0

Mix of complex & simple sentences

Clear and correct grammar

Task Achievement: 9.0

Complete response

Clear & comprehensive ideas

Relevant & specific examples

Appropriate word count

4 paragraphs

253 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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