1. Nowadays plastic money replacements such as credit and debit cards are extremely popular, even more than banknotes and coins. Discuss the advantages and disadvantages of this

At present

credit

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and

debit

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cards

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are getting popular as a money replacement for banknotes and coins. As the

use

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of

credit

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and

debit

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cards

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brings a lot much comfort with it, their

use

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getting widespread acceptance. For currency transactions you do not require to carry any cash ,just swipe or insert your

debit

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or

credit

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card and good to go, what a huge convenience!

Firstly

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, the

use

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of

credit

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and

debit

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cards

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save lots of effort to carry and count currency notes and coins ,which gives freedom of movement. ,

Additionally

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online payments with

credit

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or

debit

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cards

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save your number of trips to banking institutions.

Furthermore

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, the less you need to handle cash or coins the fewer chances of spreading infection so in the time of corona pandemic

this

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prevents the spread of infection to some extent. Using your

credit

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or

debit

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cards

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you can do online shopping, buy flight and movie tickets ,order groceries and pay fines just by entering your

credit

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or

debit

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cards

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number in the

system

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. With all the benefits, these

cards

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bring some disadvantages too, like misuse of

credit

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or

debit

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cards

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without authorisation or using stolen

cards

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before getting noticed by banking institutions. Fraud using

credit

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or

debit

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cards

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for buying online tickets or making payments. Hacking banking accounts using

credit

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or

debit

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cards

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and withdrawing all the money is illegal. with the tap ,

system

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some people steal money from other peoples

cards

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by just using the contactless payment

system

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. In ,conclusion though the

use

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of

credit

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and

debit

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cards

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bring huge convenience we should be more vigilant and follow all the safety measures recommended by the banking

system

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including keeping alerts for payment transactions and the

use

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of

cards

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for auto-payments.