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Help me writing an essay on Credit Card

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Help me writing an essay on Credit Card

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1 Answer(s)



  1. Jennifer on Feb 25, 2011

    To write an essay on credit card one should be aware of what credit card is and how it’s used. Credit Card is is a small card made up of plastic, it is issued to users as a system of payment. It allows its holder to buy goods and services based on the holder’s promise to pay for these goods and services. Credit cards allow the consumers a continuing balance of debt, subject to interest being charged. A credit card is issued by banks or credit unions.

    The concept of using a card for purchases was described in 1887 by Edward Bellamy. Credit card is a good way of making payment as you need not to carry cash. Suppose you go for a shopping and want to purchase any item and do not have money immediately still you can purchase using credit. When compared to debit cards and cheques, a credit card allows small short-term loans to be quickly made to a customer who need not calculate a balance remaining before every transaction, provided the total charges do not exceed the maximum credit line for the card. Credit cards also provide more fraud protection than debit cards. Many credit cards even offer rewards and benefits packages, such as offering enhanced product warranties at no cost, free loss/damage coverage on new purchases, and points which may be redeemed for cash, products, or airline tickets. However while using a credit card you need to keep balances low as this will helps you maintain a good credit score.

    In spite of these benefits you need to keep in mind that credit card should not be used as a substitute for cash, as this habit can lead you into debt.

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