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

In

this

contemporary society, owning a

credit

card

has become easier than ever before.

Nevertheless

,

this

fact

also

puts a number of people to risk of being in

debt

.

Although

using

credit

cards is undoubtedly convenient, I believe that the demerits somehow exceed the merits. There are some advantages of being given a

credit

card

.

Firstly

,

this

small

card

is so handy that it can be utilized in most shopping areas.

In other words

, thanks to the

credit

card

, there is no need for customers to carry cash with them or the shop assistants to count and hold that money.

Secondly

, taking a

credit

card

is advantageous for some folks as they can pay the bills even when they have no monetary ability at that moment. More specifically, the bank will be willing to lend you a sum of money in advance with no interest rate within a certain period of time.

For instance

,

last

month, as being in need of a new fridge, I paid for it by

credit

card

whilst waiting for my salary to come, which was super useful.

Therefore

, owing to the benefits of having a

credit

card

, it has become a popular stuff everyone has with them. Despite the above pros, the difficulties of being unable to clear the

debt

harmfully affect a person's family and his own psychology.

Initially

, getting into

debt

, a person is blamed to be a heavy burden for his family as the partner is responsible for sharing the

debt

. In fact, myriad couples are in jeopardy of breaking up when facing financial problems.

Additionally

, ending up in huge

debt

has adverse impacts on a person's mental health as well. It seems obvious that having the freedom to get whatever a man desires rob him of financial security. By

this

I mean, if someone loses his self-control, an impulsive attitude toward buying can lead to other mental issues

such

as self-esteem or substance abuse.

To conclude

, the rewards offered by

credit

cards make them handy financial tools, but everyone should consider the risks before getting in. To avoid getting into trouble, couples and families should work on budgets together, whenever possible.