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

#people #credit #cards #purchases #outweigh
Nowadays, bank
cards
 play an important role in maintaining the financial aspect of
the
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apply
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life. Due to
this
, the
use
 of
visa
cards
 has become popular among
people
 to make their regular payments. In my opinion, it is extremely beneficial to
use
such
cards
 despite
of
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apply
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having some drawbacks. There are several advantages of
Correct your spelling
owning
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owing
Correct your spelling
owning
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 a
credit
card
.
Firstly
, these
cards
 are user-friendly. ONE HAS TO JUST TAP THE
CARD
 TO MAKE THE Local or even an international transaction. Not only
this
, but it is very convenient while making hefty purchases as one is not required to deal with counting cash.
Secondly
, using
visa
cards
 ENABLES A
people
 to
ACESS
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ACCESS
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the loans EFFORTLESSLY. The
card
 owners who maintain a good economical record by PAYING ON TIME or other financial crimes can build high
credit
 scores WHICH them to be qualified for lending money WITHOUT DOING OTHER FORMALITIES.
For example
, CIBC platinum
visa
 provides car loans to their loyal customers if their
credit
 score is
up-to
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up to
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 750.
Moreover
,
people
 can earn rewards
on
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by
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 using their
credit
cards
. Most of the banks provide flexible redemption offers to their clients as they earn points for each of their spendings apart from their
credit
 scores.
For instance
, Scotiabank scene
visa
 facilitates WITH free movie tickets BY ADDITIONAL POINTS.
ON THE CONTRARY
, the major drawback is that
,
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apply
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use
 of these
cards
 IS an expensive affair.
Card
 issuers Charge
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a high
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high interest
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high-interest
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rate
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rates
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 ALONG with the annual fee to continue the services of the
card
 which becomes even more costly FOR THE USERS. EVIDENTLY, it can
as
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be as
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 little as 99 dollars to as much as 1500 dollars depending on the choice of the
card
. So, it is not worthwhile for those who occasionally make
use
 of
such
cards
. To conclude,
Although
 most
of
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apply
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the
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apply
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credit
cards
 are high priced.
However
, I think that it has many other benefits which overshadow
this
 disadvantage, as iT BUILDS financial reputation AND PROVIDE loans TO
PEOPLE
 TO FULFILL their personal needs.
Submitted by on

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Topic Vocabulary:
  • Cashless transactions
  • Financial footprint
  • Interest rates
  • Credit score
  • Consumerism
  • Debt accumulation
  • Expenditure tracking
  • Fraudulent activities
  • Overspending
  • Purchase protection
  • Revolving credit
  • Creditworthiness
  • Impulse buying
  • Secured credit card
  • Unsecured credit card
  • Spending limit
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