The credit card is a ubiquitous advantage of the banking sector of the modern community in these days and it is a peace of cake to get it for an individual, who works in any field on a decent amount of pay. Sometimes it becomes a real hurdle for a person to repay the overly used money, but we cannot count it as a drawback of the card because it depends on a user. In my opinion, these cards are superbly helpful for someone in need, so advantages of it outweigh the disadvantages. The essay will discuss both facets of a proposal with appropriate examples and reaches to a logical conclusion.