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credit cards,to use or not to use?英文作文

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credit cards,to use or not to use?英文作文
credit cards,to use or not to use?英文作文
Nowadays, credit cards PLAY A VERY IMPORTANT ROLE IN people´s lives and THEIR usage has increased. However, not paying in cash also HAS ADvantages and disadvantages.
The most important advantage IN using a credit card is that people do not need to carry cash with them when they go shopping.
What is more, these cards are really useful and easy to use.
Last but not least, using credit cards is not AS RISKY as carrying MONEY because nobody knows how much money CREDIT the card HOLDS.
On the other hand, credit cards have some disadvantages. The main drawback is that people can lose the card and replacing it, ALTHOUGH EASY, TAKES TIME AND CAUSES INCONVENIENCE TO THE HOLDER.
In addition, there are many markets which do not accept paying with credit cards. Furthermore, people have a tendency to spend much more money THAN THEY HAD AT FIRST INTENDED when they buy things with a credit card.
To sum up, it seems that credit cards usage will go on increasing due to THE FACT THAT this way of paying has developed characteristics THAT CAN be used in different situations.