What do you choose, credit cards or cash?

Whether we buy things in stores or online, more and more people choose to pay
by credit card. Very few people use cash. There are more and more situations using
credit cards instead of cash. However, what is the better choose is a problem. As we
all know, everything has advantages and disadvantages. Let’s have a discuss.
Credit card can not only be used as a payment tool, but also as a financial tool,
which is accepted and loved by more and more people. But credit card can also
influence how individuals think about spending. Because of credit card, we are more
likely spend money impulsively. If you are a regular spender, using a credit card can
help you manage your money better. Using a credit card keeps you spending money,
making it hard to save. Cash is at risk of loss and theft. Cash payments are simple and
the seller is clear about the proceeds from selling the asset. The use of cash is also a
traditional culture, so we should spread it. Credit card holders can get goods without
having to pay cash, saving consumers time. If we use cash, we have to go to the bank
to withdraw money. During the transaction, some change is not easy to keep. Because
of the constant flow of cash, cash produces a lot of germs that have an impact on
people’s health.
In my opinion, both payment methods have their own advantages and
disadvantages. With the continuous development of the Internet, the use of credit card
is becoming more and more common. But, I have some advance. Credit card payment
is also unsafe, for some elderly people, cash is a better choice. For some self-
disciplined young people, credit card is a good choice.