The debate on cash versus credit card has been going on for some time. Credit is still a fairly new concept within the history of finance; so many people would rather stick with paper money. According to you, which is a better payment method, cash or credit? Give reasons for your answer and include any relevant examples from your own knowledge or experience.

At present, many people are conflicted about using
credit
cards
over
cash
. It is believed that card
payments
are a recent technology in the financial world,
whereas
individuals prefer paper
money
. In my view, I disagree with
this
preference, and my reasons will be outlined. On the one hand, using
credit
or debit
cards
offers a range of discounts and rewards for customers.
For example
, when you pay using American Express
cards
at the supermarket, they often offer a 10% discount. By the end of the month,
this
can result in significant savings.
Moreover
, online
payments
provide exclusive gifts and rewards through random selections. Personally, I won a lottery to visit Australia
last
summer through an online
bank
transaction.
Additionally
,
cards
are generally secure because they possess strong security systems with NFC features, reducing concerns about carrying
cash
.
As a result
, traditional theft is diminished, and in case of a lost or stolen card, the
bank
can immediately block the service, ensuring that
money
remains secure.
Credit
cards
also
offer specialized saving methods and
high-interest
Correct your spelling
high interest
show examples
rates on a monthly basis.
On the other hand
,
credit
cards
are not universally accepted.
For instance
, many local stores lack facilities for cashless
payments
, which can cause problems for both customers and businesses if they do not have
cash
.
Furthermore
, using paper
money
provides a sense of richness, independence, and satisfaction. People often feel that
money
in a
bank
is less tangible compared to physical
cash
. Another reason paper
money
is preferred is that it does not involve additional fees. Transactions through a
bank
card may incur charges for messaging and online services, though these are relatively minor compared to the benefits provided.
Additionally
, paying with
cash
protects the customer's contact details, ID number, and profile. In conclusion,
although
cash
payments
offer secure identity protection and no additional charges, I still consider
credit
cards
to be more convenient and beneficial
due to
their superior security, saving opportunities, and promotional offers.
Submitted by Witharana Senesh Rasinda Wickramasinghe on

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coherence
Your essay has a logical structure and the arguments are systematically developed. However, you could improve coherence by using more transitional words and phrases to better connect your ideas and paragraphs.
task response
Although your response is almost complete and well-supported, you could further enhance it by discussing counterarguments more thoroughly and addressing them. This will show a more balanced perspective.
task response
The essay presents clear and comprehensive ideas that effectively respond to the question.
task response
Your main points are well-supported with relevant specific examples, which strengthens your argument.
coherence
The introduction and conclusion are present and effectively frame the essay, making the reader understand your main arguments and final opinion.

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Topic Vocabulary:
  • convenience
  • security benefits
  • fraud and theft protection
  • credit score
  • financial products
  • rewards programs
  • cashback
  • budgeting
  • tracking expenses
  • overspend
  • debt accumulation
  • interest payments
  • universal acceptance
  • privacy
  • financial benefits
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