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

In the modern world, The

use

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of

credit

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cards is growing quite rapidly which was not the case in the earlier centuries. Many folks nowadays are using

this

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for their monthly regular purchases. Even though it has some drawbacks

such

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as high-interest rates and service charges, Its advantages outweigh the negatives.

For example

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, The

credit

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card

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has a

point

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redemption system that benefits the users

as well as

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its monthly instalment system is a huge plus for people.

To begin

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with, A

credit

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card

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has

point

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based purchase scheme that can benefit customers in their future purchases.

For example

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, If a user buys something with their

credit

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card

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, he gets some points for his purchase which he can utilize to buy gift cards or other products.

Additionally

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,

This

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allows users to buy their favourite items without using their money.

To conclude

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,

This

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gives consumers a huge advantage which is not available in a debit

card

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.

Moreover

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, Monthly instalment is another added advantage to consumers to buy high-value products in the long run.

For instance

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, If a person wants to buy a car but does not have the full amount with him, he can still purchase it with a

credit

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card

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.

In addition

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, It is a huge comfort for everyone, especially middle and lower-class people.

To sum up

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, without the

credit

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card

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this

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dream of buying expensive items would not have been possible.

Finally

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, The strong

point

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such

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as the

point

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system and monthly instalments are really a big reason for the public to

use

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it for monthly shopping. Despite its negative points,

credit

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card

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has a lot more positive sides that encourage users to

use

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them regularly.

However

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, It is recommended that people should

use

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a

credit

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card

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much more regularly to fully utilize all the privileges.