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.

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Receiving a debit
card
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is a simple task that can be done by just sending a request to the banks.
People
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may not sometimes pay their debts back.
However
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, it is convenient to use a
credit
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card
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. Personally, I think some arguments outweigh the benefits of having a
credit
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card
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compared to not having one. The proponents of having a
credit
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card
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make some statements about its advantages.
First,
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individuals can buy whatever they need when short of
money
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.
This
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may serve as a solution to purchase necessary goods in time of need.
For instance
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,
people
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in cold weather conditions can buy extra clothes when they cannot tolerate the snowy condition
while
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they have no
money
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in their bank account to withdraw for
this
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particular expense.
In addition
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, having a
credit
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card
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may bring more confidence to its owner. Persons with
credit
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cards will never experience panic because of tight
money
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.
Consequently
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, having a
credit
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card
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in your hand may serve you in tough times when you need more
money
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than you have and raise your confidence.
On the other hand
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, the opponents put forward some arguments to address their concerns about having a
credit
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card
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. They state that
people
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addicted to shopping may go into enormous debt to their banks. These
people
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cannot control their insatiable shopping appetite, which will lead them to owe their banks after a
while
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. Another reason is that
people
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who have acquired a
credit
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card
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gradually lose control over the expenses of their lives. Individuals should only try to spend
money
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on their budget by relying on a
credit
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card
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.
As a result
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, most of the time, they cannot manage their expenditure and end up with no savings
at the end
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of the month. In conclusion, I believe in owning a
credit
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card
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to use in the time of lack of
money
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in the bank account.
However
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,
people
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should always pay attention to their expenses and use their
credit
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cards just in case of a necessary need.
Submitted by sepehr.kahvand on

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