Some people say that it’s a good thing to buy something on a credit whereas others don’t agree.

I think that buying things on a credit is not a good idea. First of all, the interests that go to banks are big and if it’s a micro-credit organization they are huge. Second, it’s better to wait for a while, save some money and buy what you want. It will also preserve you from buying things that you don’t really need. When you have time to think you don’t make spontaneous decisions.

At the same time there are people who say that credits give a good opportunity to get what you want right away. You get things now but pay for them later.

In my opinion these people have a point. Sometimes it can be really handy to get what you need in time. Nevertheless, there is a word “shopaholic”, which describes people who become addicted to buying things. It’s really easy to turn into one with a credit card.

In conclusion, I'd like to say that if we weigh all the facts that support credit cards against the ones that criticize them, we'll see that the facts that support huge prices and long dependence on backs lose to those against.

Read by Neil Geitz

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