Nowadays it is easy to apply for and be given a credit card. However, some people experience problems when they are not be able to pay their debts back. In your opinion, do the advantages of credit cards outweigh the disadvantages?

It is sometimes argued that getting a

credit

card

too soon can give us more advantages than the drawback in term of the payment problem. In my opinion, it would definitely make the matters worse if we can easily access a

credit

card

. There are several benefits of

credit

card

financial.

Firstly

, we do not have to carry around the cash and you can buy anything at the moment without a concerning the amount of money, which is very convenient because we can just only keep the

card

in your pocket.

Secondly

, the

credit

card

provides you with a bonus point to redeem the goods in every purchase. For

this

reason, many people can get free items without buying them.

Finally

, additional discounts were usually offered when you use a

credit

card

. So that, we can get a cheaper price while using it.

However

, the drawbacks of

this

over-convenience are in form of consequences.

Firstly

, the

credit

card

can let us build extra expense by buying things without planning, which

this

issue can lead to the

second

consequence, the huge amounts of interest to pay. The interest rate of the

credit

card

is high in common and

this

can be a serious problem when we can not pay the interest on time.

Finally

, the debt can be contributed by the various source of interests and it becomes eventually unable to pay in the future. In conclusion, I can understand why some people might still prefer to use a

credit

card

, but it seems to me that the disadvantages of a

credit

card

far outweigh the advantages in the long term.

Submitted by tonydude1999 on Mon Jun 28 2021

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Nowadays it is easy to apply for and be given a credit card. However, some people experience problems when they are not be able to pay their debts back. In your opinion, do the advantages of credit cards outweigh the disadvantages?

Support ideas with relevant, specific examples

People doing dangerous sports activities like scuba diving and bungie jumping, they should be responsible for their own life and rescue workers should not risk their lives to save people. Do you agree or disagree?

People born today can expect to live longer than people in previous generations. What are some of the positive and negative implications of this phenomenon? Give reasons for your answer and include any relevant examples from your own knowledge or experience.

Crime appears to be rising in most countries in the world, especially among young people. Identify the possible causes of this trend, and propose some solutions you think would be effective.

Some people get into debt by buying things they don’t need and can’t afford. What are the reasons for this behaviour? What action can be taken to prevent people from having this problem?”