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

Nowadays it has become popular to make monthly acquisitions using
credit
cards
. In my
opinion
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,opinion
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wasting money
that is
not yours has many flows and puts you in inconvenient positions so it has more disadvantages.
Although
this
essay will provide us
information
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with information
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about the pros and cons of
this
system. The main reason behind the popularity of
credit
cards
, they allow
people
to spend a specific amount of money for whatever reason. For most
people
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,people
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it is convenient to buy necessary items and pay afterwards
,
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apply
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because their income can not allow
such
expenses. For clients of a certain level of
income
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,income
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they provide bonuses and benefits.
For instance
, the bank will develop the
users
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user's
users'
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credit
score, so it is most likely for them to get
an
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approval from the bank for
mortgage
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a mortgage
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or other big purchases,
also
they can wait in the premium
waiting
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forwaiting
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halls of the airport and get free wifi.
However
, all the benefits are created to blur
people
's vision so they see more advantages and opportunities from using
credit
cards
, while it is mostly marketing strategies. Individuals quickly get addicted to utilizing bank money as their own and it is easy for them to lose track of how much has been wasted.
Also
, it causes problems like shopaholism or
credit
card debt in case
if
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apply
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the individual overuses it and monthly payment becomes more than their average outcome before using
credit
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a credit
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card. In conclusion,
people
should study financial literacy so even if they use
credit
cards
they do it correctly. In
this
way
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,way
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they can take
the
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apply
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advantages
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advantage
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as
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of
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good
credit
score
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scores
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and membership benefits, and avoid debt and shopaholism.
Submitted by Allazhar on

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Topic Vocabulary:
  • Cashless transactions
  • Financial footprint
  • Interest rates
  • Credit score
  • Consumerism
  • Debt accumulation
  • Expenditure tracking
  • Fraudulent activities
  • Overspending
  • Purchase protection
  • Revolving credit
  • Creditworthiness
  • Impulse buying
  • Secured credit card
  • Unsecured credit card
  • Spending limit
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