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Band 6.5

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.

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

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  • to give a clear example
  • such as
  • namely
  • to illustrate
  • take, for example

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