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

The number of

credit

card

users has increased drastically over the years.

While

some may argue that it is beneficial, others believe the opposite. In

this

essay, both perspectives will be discussed, and why in my opinion, the benefits are more compared to the drawbacks. On

one

hand, the biggest disadvantage

this

has is that the over-using of

credit

cards

is bad for any person's financial state. Because you do not need to spend your money at that time, people usually buy stuff without need.

For example

,

one

day, my friend went to a mall to meet somebody. There he liked

one

painting, and without hesitation, he bought it with his

credit

card

. Today, he regrets it, as the painting was too costly.

Therefore

,

credit

cards

should be used carefully.

On the other hand

, the advantages a

credit

card

provides outshine its drawbacks. Because you can avoid the need to pay presently,

this

can be helpful in emergencies.

For example

,

one

time my grandfather got sick, and we needed money urgently for his treatment. My father used his

credit

card

and thankfully, we were able to save his life.

Hence

,

credit

cards

could be considered life-saving in case of an emergency. In conclusion, over the years,

credit

card

users have surged in numbers.

While

the advocates of

credit

cards

claim

this

to be beneficial as it can be helpful in emergencies, others oppose it as people can easily misuse it to buy items they do not need. In my opinion, the benefits of

credit

cards

outweigh the drawbacks.