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Now, it is a fashion of using credit card. No matter old or young, men or women, we usually see them taking one or some cards when they need offer money. As we all know that there are many advantages on using credit card.
For one thing, it is safe for us. For example, when you lose your purse, you should not worry about your money which is in your card if your card’s code not your birth date or other easy numbers. On the country, it is very difficult for you to find when you lose your cash.
For another, it is very convenient for us. We can replace cash with credit card. And it can reduce many troubles.
Third, using credit card means a kind of dignity. We know that there is no money in your credit card, but the bank will offer you when you need it. You just pay the money to bank every month. So it is difficult to have one if you have no reputation. Therefore, if you have a credit card means, in some certain extent, you have honesty in society.
Last but not least, the policy of preference can take you a lot benefit. Such as when you swipe your card you will be integral on it, so there will be a gift for you when you accumulate in a certain amount. And you may meet a discount part if you use your card.
But in our daily life, we can also hear some bad news on using credit card. For instance, lots of people who own credit card will not pay the money to the bank and always overdraft their account. So many people are doubt that if we should give the right of using credit card to young people.
In my opinion, it is a wrong way if our country limits the young to use credit card. According to the survey, most people have good credit management skill and they can repay the bill every month. So there are only a few people cannot abide the rule, and they cannot represent all the people. And this way also can promote the development of society. I think it is a good way to use credit card. Only the government and bank take some measures to punish those people who cannot pay the bill and reward those who repay on time all the time.
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