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Sunday, 24 August 2014
Essay 46 (Credit Cards)
it is easy to apply for and be given a credit card.However, some people experience problems
when they are not able to pay their debts back. In your opinion, do the advantages
of credit cards outweigh the disadvantages?
Most banks today have reduced the formalities required for issuing a credit card but the inability to repay credit card debts has driven many into mounting
financial difficulties.Yet, I believe
that this electronic credit facility is greatly
advantageous to people, if handled with proper caution and prudence.
In the first
place, credit cards have enabled people to handle their large financial
emergencies without strain and pay back the money later in easy installments.For example, if an individual has an unforeseen
hospital expense as a result of an accident or illness he can use his card to borrow
money without going to a bank or approaching another person.
can travel without mental stress or anxiety about any unexpected crisis.For instance, people who travel abroad
often experience difficulties like, unexpected cancellation, delay of flights
and loss of luggage.On such occasions
people can easily make use of credit cards to pay the extra money they need.
if people are not able to repay their credit card interest on time they could
end up in serious financial troubles.This
usually occurs when people borrow money beyond their expected weekly or monthly
income or engage in excessive shopping using this facility.Besides, some people are less conscious about the amount of money they
spend or the date of repayment.The
above points clearly show that credit cards cause financial liabilities when
people use them unwisely or without discretion.
I summary, credit
cards have proven to be extremely beneficial to people in terms of managing
their financial emergencies.If people
use them with greater care, they can effectively overcome the negative impacts to a large
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