Nowadays it is easy to apply for and get a credit card. However, some people experience problems when they are not able to pay their debts back. In your opinion, do the advantages of credit cards outweigh the disadvantages?

Online payment systems

such

as

credit

cards

have become much more affordable these days, but debts are still one of the daunting difficulties for people despite the cutting-edge technology.

This

essay will argue that the drawbacks of using

credit

cards

far outweigh the benefits. The biggest advantage of

credit

cards

, in my view, is the ability to pay online immediately.

In other words

, with money on the card,it is a matter of time to purchase goods and services whenever needed without leaving a house.

For instance

, clothes, which are produced in Europe or China, are available on websites

such

as Aliexpress and can be bought in one

second

online.

As a result

,

credit

cards

save time and are extremely convenient to use.

Commission

, I would argue, is the key benefit.

That is

to say in order to transport any amount of money or withdraw cash owners of the card are obliged to pay a

commission

fee. Users of CenterCredit which is one of the major banks in Kazakhstan,

for example

, gave to pay to five per cent

commission

on the amount of the goods.

This

indicates a problem since for many people the quantity is much higher than appropriate, which is why a number of unpaid debts are caused. In conclusion, while

credit

cards

are vital in terms of accessibility and the economy of hours, people experience considerably more issues due to a necessity to pay the bank back by

commission

. As

such

, I would maintain that the benefits of payment

cards

are far outweighed by the drawbacks.