In many countries it is very easy to apply for and be given credit card. However, this causes some people to have problems with debt they cannot pay back. Do the advantages outweigh the disadvantages?

In most nations, people can request

for

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apply

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and have debit

cards

without any difficulty.

However

,

this

has

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tohas

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lead

Wrong verb form

led

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to some individuals having challenges with the payment of their loans.

This

essay will argue that despite the difficulties with the payment, the benefits of easily applying and having the card far exceed any drawbacks.

Firstly

, easy access to money is one of the enormous reasons people ask for credit

cards

.

This

is because as it is available, money can be accessed anytime, anywhere when the individual

want

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wants

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to make a transaction.

Therefore

, it will not be difficult to pay for something purchased online or physically.

As a result

, anything the person desire can be acquired since it will not be a problem to pay. Again people do not have to carry huge sums of

monies

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money

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around which can be stolen or misplaced and so provides much safety.

For example

, it was announced that

,

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apply

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about 75% of

the

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apply

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German citizens have debit

cards

which help them to transact

businesses

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business

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even at night without any hindrance.

This

means that the acquisition of credit

cards

are very essential. Despite easy access to money and not walking around with cash, the request for debit

cards

cannot go without a challenge and one of them is unnecessary spending. A key factor to

this

is that, since the individual will be granted, he can purchase anything without sometimes taking into consideration whether

that

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he

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truly

need

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needs

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it or it was just impulse buying. As

this

continues, the loan builds up and

and

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apply

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with time they tend not to be able to pay and so

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lose

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loose

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lose

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their properties to the banks.

For instance

, it was announced that the Ghana commercial bank is leashing out some houses and other properties they took from their customers who have

default

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defaulted

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payment of their loans at a

reduce

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reduced

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price.

This

has caused most of them to be homeless. In conclusion, after examining the merits and demerits, it is felt that the ups far outweigh the downs. I will

therefore

recommend that credit

cards

be given when requested.