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USING A CREDIT CARD The use of credit cards has increased with the increase of the pandemic in the world because due to the pandemic , public began to suffer from poverty; therefore, public had to use credit cards.

Credit cards can be beneficial to make it easier to buy things ;on the other hand, since people are so easy to use credit cards, they also make it easy to overspend.

People using credit cards say that when you go to a shopping mall or anywhere, credit cards payment is easier than cash money.

Furthermore, people can earn reward points when they spend.

For instance, when you spend far more money for shopping, you can earn money thanks to your credit card.

Briefly, the more money you spend, the more money you earn.

On the other hand, the biggest disadvantage of credit cards is easy to use and therefore people make it easy to overspend.

As people spend their money for shopping, people don’t care too much and along with using a credit card, people began to lose themselves while shopping, which creates a society with a lot of debt.

People started to kill themselves because of this annual fees.

To sum up, there are some pros and cons to using a credit card.

The advantage of using a credit card is that it makes it easier to buy things while the main disadvantage is that it is easy to use and thus people make it easy to overspend.

I think people should start gradually decreasing credit card usage.