The reason that most individuals are in debt is due to the overuse and irresponsible use of credit cards. Banks should not issue credit cards unless they are completely sure of an individual’s ability to pay back their debts. To what extent do you agree with this?

The invention of

credit

card and internet banking

have

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has

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created many benefits for

customers

with fast transactions at

anytime

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any time

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in recent years.

However

, some people think that banks need to ensure the ability to pay back the debts of

customers

before giving them permission to use the bank service in order to reduce the overdue payments. In my opinion, I partly agree with

this

statement and I shall put forth some ideas to demonstrate my view in the following paragraphs. On the one hand, It is true that some groups of youngster have become debtors because of the easy access to

credit

loan from many banks. With the popularity of online shopping, youngsters or housewives are able to purchase many essential goods for their life.

However

, the overwhelming advertisings have encouraged people to consume various unwanted items which lead to the overuse of their

credit

cards. Eventually, it is the responsibility of the bankers to ensure these clients can return money to the bank.

Moreover

,

detail

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detailed

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information on monthly income, property and past overdue debt history should be examined thoroughly by the bank officers.

On the other hand

, these banking services are crucial to

boost

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boosting

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economy

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the economy

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and consumption as people are able to buy and consume more.

For example

, tourists tend to spend more by using their cards when travelling abroad as it is not convenient to bring cash, which

are

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is

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beneficial for the countries they travel

.

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to.

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Additionally

, banks often want their clients to spend more so they can have more money back from the high interest of loans.

As a result

,

this

explains why the procedures of

openning

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opening

credit

card accounts are often fast and easy

to

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for

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most

of

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apply

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customers

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the customers

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. While I believe that it is the role of bankers to ensure the possibility of returning debts of clients, restrictions on the use of

credit

cards to

customers

are not a smart option.