Life Becomes Easier with a Credit Card

Life Becomes Easier with a Credit Card

In this modern era, people’s style become very consumtive. Everyone often buy the things whereas it is not their necessities. This style makes the users of credit cards number are getting increase. Even, the bank often held a promo to attract the users to more frequent in using the credit cards.  Of course in addition to convenient, credit cards also provide an alternative shopping transactions. With one swipe you can get the items you want and pay for it later on. Credit card as the new invention of technology surely has some advantages or disadvantages based on people’s own argument.

Some people argue that excessive use of credit cards will make many people have consumtive lifestyle. People buy everything that they want, although it has unimportant value. With an easy mechanism of payment, people think that with Credit Card they are not burdened by money, but after they fulfilled their needs with that card, their life will be closer to the debts.  On the other hand, the other side of people ask us to understand that credit card just a mechanism of payment, not the source of funds. This is very helpfull to help us when we need, but we are not allowed to use it excessively. In my opinion, credit card is a technology invention which will make our live easier, especially in doing financial transaction. The consumtive life is only done by the people who do not have self-control, so we must have a self-control to avoid the consumtive life.

The continuation of a poor self-control from the use of credit card is people become possible to deal with debt collector. If we are addicted by the use of credit card and we can not pay the financial tax per month, it is possible to the debt collector to approach us.  However,  we must understand that the use of credit cards is the right of every person, but each person must has the consideration before they use it, so that they should not be burdened by the load installment from the credit card itself. Sometimes, people just think about burden, whereas a credit card has many advantages in life. I think, the use of credit card should not become a burden, if we use it in the right step. Credit card has many advantages in life, for example :

1.    We do not have to carry cash everywhere that could jeopardize our safety.

2.    Can be used to save our money, for example for discount hotel room, discount meal at a restaurant, or shopping discount.

3.    Credit cards can also be used to record our expenses routinely, so that it makes us easier to manage the family finances.

Most of the people also said that a credit card has the tax which have to be paid in every month. Every money that is not paid in full will be charged with the high tax. So that, the tax per month automatically will burden someone who have to pay it.  However, it just the consequences for the credit card users. Even, credit card can make the crime rate become lower significantly. It is because we can easily block the credit card when someone grab it. In my opinion, we sould not be tought about the burden of credit card because it surely has many advantages which can not be doubted. Even, according to  AKKI (Asosiasi Kartu Kredit Indonesia), around the end of 2013 there were 15 million credit cards circulating in the community with 214 million transactions. In 2016 is predicted to be increased several folds.

Shortly, in this modern era, people’s style become very consumtive. This style makes the users of credit cards number are getting increase. Credit card as the new invention of technology surely has some advantages or disadvantages based on people’s own perspective. The excessive use of credit cards will make many people have consumtive lifestyle, but the consumtive lifestyle is depend on self-control which has been owned by each person. If the consumer lose their self-control, it is possible for them to deal with the debt collector. However, we must understand that the use of credit cards is the right of every person, but each person must has the consideration before they use it, so that they should not be burdened by the load installment from the credit card itself. Besides the problem of self-control, a credit card also will burden the consumer with the tax which have to be paid in every month, but it is just the consequence for the credit card users. Credit card surely make our life become easier, even in minimizing the criminal case. For that reason, I am in agreement about the statement of “life becomes easier with a credit card”.

References:

Annisa, Ira. 2012. Dua Sisi Mata Pisau Kartu Kredit. Available on : www.kompasiana.com/iraannisa/dua-sisi-mata-pisau-kartu kredit_551b00368133110a0a9de2c9. Retrieved on: December 15^th 2012 at 22:06:42 Upadated: June 24^th 2015 at 19:35:17.

Written By : Hana Suci Anggraeni (1420302175/E)