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

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