Several people have asked me for help with the question below.
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?
You might be surprised to see a question about credit cards, but I don't think it's as bad as it seems. Let's summarise the advantages and disadvantages:
A credit card gives you access to money and the facility to pay it back later, like a loan. This could be useful for emergencies or something expensive, like a holiday. Credit cards are a safe way to pay. Easy access to money means that people spend, and this benefits the economy.
Credit cards encourage people to spend money they do not have. Debts can build up and leave people in real financial difficulties. When people cannot pay their debts back, everyone suffers: those in debt may lose their homes, the banks lose money, and the whole economy suffers.
Task: Try using these ideas to write full paragraphs.