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

Nowadays, bank

cards

play an important role in maintaining the financial aspect of 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 some of the drawbacks. There are several advantages of

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owning

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owing

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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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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.