Nowadays, it is easily to apply and be given a credit card. However, some people experience problem when they are not able to pay their debt. In your opinion do advantage of credit card outweigh or disadvantage.

In contemporary society, development technology that people easily obtain and use

credit

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cards

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. While many

folks

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are not difficult to return their indebtedness to some extent, I still believe possessing

credit

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cards

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is more beneficial for users. On the

one

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hand, some

folks

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end up in debt when they possess

one

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or several

credit

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cards

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.

Firstly

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,

credit

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card

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issuers seem to concentrate on their profit that users only fill up

credit

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card

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forms and duplicate personal identities to get approval.

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Moreover

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,Moreover

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they stimulate

credit

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card

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owners to use for purchasing with the lowest interest and more convenience leading to overspending .

As a result

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, people increasingly struggle in a cycle of debts and the whole economy suffers .

Secondly

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, due to the effects glamourous lifestyle that individuals embark on luxury and exotic stuff regardless of their payment ability or the amounts used for entertainment or their own habits.

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, according to a recent survey of Ho Chi Minh, 50 per cent of the

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used was sucked into debts and lost the ability to pay to citizens who are under 30-age, the cause of committing suicide for

this

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person.

On the other hand

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, if people know how to manage and take advantage benefits of

credit

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cards

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, they would be gotten a range of assistance from them. For

one

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thing, they create favourable conditions for individuals in shopping and settling down their life.

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, buyers could purchase crucial and emergency things without insufficient finances and pay monthly instalments reasonable payment.

For Instance

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, increasingly ,

folks

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wouldn’t be able to pay

one

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thing with higher prices

such

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as a house, motorbike, or car . especially graduate students who need private transportation to serve their profession .

moreover

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,

credit

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cards

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are effortlessly accessible and extremely convenient for use in domestic and international . domestic

cards

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or account banks would be consumed inside introduced nations that businesses and individuals have been obstructed when they practice global trading .

for example

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, when the populations go to overseas , they must exchange and bring local currency with a limited amount, that

credit

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card

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would make anything more convenient , faster and flexible. In conclusion ,

credit

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cards

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become globalism that they play an important role to develop economies,

therefore

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,

folks

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and governments should put more emphasis on manipulation and rule of obtaining these

cards

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.