Credit Card
Recently, with the development of economy, credit and bank cards are accepted by a growing number of people, especially the young people. When they go shopping in the mall, repay various loan and so on, using credit and bank cards has become a fashionable consumption pattern.
Credit card is a non-cash transaction payment, a simple credit services. It is a small plastic card that you use to buy goods and pay for them later. Why get a credit? The main reason is that for the consumers, credit cards permit the purchase of goods and services convenient.
There is no doubt that credit card has its attractive advantages to consumers. For most wage-earning class people, before they buy something expensive, they need to consider whether they have extra budget for the goods. At that moment, credit card can help. And then what they need do is to pay back the money to bank later. Therefore they will not be regret for missing something they really like and need. What’s more, with credit cards ,our life become more efficient and convenient. we don’t need waste plenty of time on waiting in line to pay for money. we don’t go shopping with a lot of cash .We don’t need doubt whether it is real money.
Actually , a credit card can be your friend .Because it can get you through unexpected emergencies. Monthly credit card statements can also help you keep your records in order. What’s more ,if you make payments on time ,the
credit cards will help you to establish a good credit history.
As we all know , every coin has two faces .without exception ,the credit cards also can be your enemy. So on the other hand, using credit card also
brings some risks at the same time. Many young people use credit card excessively even if they don't have the ability to repay so that their parents have to pay back for them. It puts more pressure on the old. As far as I’m concerned ,credit cards play a important role in our daily life and business .we should make full use of its advantages ,but at the same time we need to have self-control and be a rational consumer.
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