Essay about Credit Card Vs Cash?

Credit Card has become one of the impacts of globalization in the economy that also has changed the people mindset. The number of advertisers to promote credit cards spread out on the media also take a great role in manipulating people and giving the idea that by having a credit card will make your life easier since you will not have to carry out your cash with you everywhere you go which might trigger a theft to steal them from your pocket. Well, for that case, a credit card might win and get the correct reason for people to have and also use it. But have you ever think of other effects from choosing to have and use a credit card for doing your shopping rather than using your real cash? Well, now I will provide some reasons for you to consider once again for using your cash rather than credit card.

How much you have is the limit you can spend

With using cash every time you do shopping, you will able to limit your shopping budget and forget to buy things that you do not really need. Since you will not want to end with an embarrassing feeling once you do not have enough money to pay things you want, then you will limit your shopping budget based on cash you have in your pocket. Well, no one wants this thing to happen.

You will think twice before you spend your cash

Let’s admit it; swiping credit cards will not make you feel hurt like when you will spend your hard-worked cash for shopping, even if you are shopping things that you really need. For that reason, you will think twice before you spend your cash on each item you want to buy.

Forget about the debt that will come after one month

The fact is that, when you go shopping with cash, you do not need to worry about the debt that you will have to pay after one month as if you do shopping with credit cards. Instead, you will more search for discount to limit your cash spending. Shop, pay and go seem to be like a stress-free shopping method.

Shopping with cash will not put your personal identity in risk

This is the most important thing actually. We all acknowledge that the procedures on getting credit cards will require you to provide your personal info. Therefore, every time you do shopping and swipe your credit card, then there is a risk for your personal identity to be stolen. I do not know about you, but I definitely never want that to happen to me.

Yes, there are many pros and cons around credit card vs. cash since people have their own and different point of view. But for me, shopping with cash will give you stress-free as you will not have to worry on the budget you will need to pay after your credit card’s bill come. What about your opinion? Credit card or cash?