The reason that most individuals are in debit is due to the overuse as well as irresponsible use of credit cards. Banks should not issue credit cards unless they are completely sure of an individual’s ability to pay back their debits.
To what extent do you agree with this?

There are a number of
people
who are trapped in a debit obstacle
due to
the over-used of a
credit
card
. Many debt cases happen because nowadays
people
can obtain
credit
card
facilities more easily compared to
people
in the past.
Therefore
,
banks
are supposed to be able to verify the owner of the
credit
card
to be in terms of both their income and outcome. If
banks
can be more careful in verifying, these problems will not occur anymore in the future.
Banks
definitely have full authority to grant or deny
people
who would like to apply for their
credit
cards if they do not have sufficient income to pay for their
credit
cards. To make it more efficient,
banks
can require a certificate of ownership like the house or the car from the
applicants
as the guarantee.
Firstly
,
banks
should be able to clarify and identify
credit
card
applicants
in a proper way. They need to be able to investigate the source of income of the
applicants
.
This
can be done to decide whether the
bank
can approve the proposal.
In addition
,
banks
also
can count the limit that can be offered to the
customers
.
Therefore
, the case of failure in return the loan given by the
bank
will not happen anymore because of the balance of their salary and expenses.
Secondly
,
banks
should have a guarantee from the
customers
such
as the house or the vehicle certificate. In case the
applicants
have no capability to pay for the rest of the tenure, the house or the vehicle can be taken as punishment for the cardholder. It is believed that
this
rule can create the discipline behaviour of the loaner to be able to pay for the
credit
card
on time or even before the due date.
To sum up
, both
banks
and
applicants
should be wise before granting or proposing a
credit
card
.
Banks
need to have clear and strict rules about giving loans to
customers
. If
this
rule can be applied perfectly, it can be expected that the
bank
can prevent the failure of paying back
customers
who take the loan from the
bank
.
Submitted by ru.kabiru.biru on

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