CREDIT CARD- A BLESSING OR A CURSE?

Today, in the 21 st century, people who have a job usually have bank accounts and banks give them opportunity to use credit cards. Credit card is like a first aid in the absence of cash. Some people oppose credit cards because we can get into debts and have lots of problems but people who support credit cards say that we need them in this expensive life. To start with, we live in a very expensive world. In that world everything coasts too much, so we need credit cards when we do not have cash. For example, if we want to buy a couch we will probably pay by credit card. The most important advantage is that it is possible to use it in foreign countries all over the world, because if we are in the London for example, we can buy things and souvenirs with Croatian credit card. The big advantage is that the bills comes later and we can pay in rates what means that we don`t have to pay immediately all amount. Despite all advantages, credit cards have some disadvantages. The most important disadvantage is that we can lose all our money what we have. Some credit cards don`t have limit so we can buy so many things, but when we get the bill, we won`t be able to pay it and we can get into big debts and bank can take all our assets. We don`t need to press a pin for some credit cards when we shop, so that can be very dangerous because if someone steal our credit card, he can spend our money. To conclude, having a credit card has both advantages and disadvantages. Appears to me, we need it. The world is changing and we can`t pay our bills immediately so credit cards help us to survive and to live normally as possible we can. We are in modern age, we travel a lot and credit cards enable us to do that. Paying by credit card became part of our lives and we just need it. Comment: Jako, jako dobar esej. Kao i uvijek, paljivo si pratila i zna to i gdje treba biti te kako to argumentirati. Posebno mi se svia obilje primjera. Greaka ima, meutim ne oteavaju razumijevanje pa nema razloga da ti znaajno skidam bodove na obje kategorije bit e 4 boda iz gramatike, a sve ostalo maximum bodova. 19/20 (5) excellent Irena Pavlovi