People today are increasingly use credit card to make monthly purchase. Do the advantages outweigh the disadvantages?

In today's world,

the

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apply

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money

is

being

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apply

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converted from cash notes to digital currency, respectively, plastic

cards

.

This

type of funds

are

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is

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often used in the form of

credit

from the bank that needs to

paid

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be paid

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on a certain bill date,

nonetheless

if

date

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the date

a date

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is missed, it could lead to many problems. Having said that

credit

card

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cards

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do provide certain convenience, rewards and cheap currency exchange.

Therefore

, the benefits are more in comparison to the drawbacks.

Firstly

,

one

of the major

advantage

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advantages

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of plastic

money

is that it provides convenience to use for the reason that

risk

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the risk

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of theft or losing bills is

to

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at

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the minimum. Nowadays, many banks provide

with

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apply

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the

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apply

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higher

credit

limits which

allows

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allow

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user

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users

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to spend worry-free and if in case it gets lost or stolen,

cards

could be blocked

by

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with

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one

click.

Moreover

, the rewards like 5 per cent

cash back

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cashback

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or discounts

attracts

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attract

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more people to use it frequently.

As a consequence

, humans trust it and save

money

by paying through

the

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cards

rather than keeping cash with them all the time.

Secondly

, with the usage of

such

payment

method

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methods

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, individuals are able to build their

credit

scores which in future enables them to get 0 per cent financing. Certainly, these scores play a key role in buying things like

house

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houses

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,

car

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cars

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, mobile phones etc. as all

the

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mortgage

company

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companies

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consider it in

first

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the first

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place.

For example

, the loan to buy a home

of

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apply

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worth 1 million will not be approved if

one

has low

borrow

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borrowing

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ratings and if it is highest,

one

might get financing with no interest rate.

Subsequently

, the entire payment cycle is tied to

one

single card in contemplation to buy greater things in life, human has to depend on it. Howbeit, on the downside, it is easy to overspend since

money

is not going through

pocket

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the pocket

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.

One

might get into

pitfall

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a pitfall

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of

debts

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debt

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,

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if the

credit

bills are paid in full.

Also

, if any monthly payment is missed, it might damage the

credit

score. Altogether, it is a source of business

to

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for

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banks. In conclusion, even though there are some limitations of

credit

payments like debts and low scores, the pros are considerably greater as it is convenient to pay with the

cards

and

risk

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the risk

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involved is very low.