Nowsday, the system of payment gradually changes. Most of people use debit cards instead of cash to make payment. They think it is more effective, efficient, easier, and simpler. However, there are still arguments about the use of debit cards as a method of payment.
Well, if you use the card, you will say that the card is so practical. You don’t need to count meticulously how much you should pay. When paying using cash, people are afraid of making mistakes in counting the banknote for both the payment and the change. With debit cards, the mistake is made smaller.
Moreover, you should know that the debit cards are safer than money. Suppose you bring a lot of money when travelling. If it was lost or stolen, you would be left with nothing in your hands. However, if you brought a debit cards, you could just phone the bank which issues the cards to block it.
On the other hand, people who disagree on the use of debit cards will say that it is use is so limited. When you buy something in a traditional market or a vendor, can you pay using a credits card? Of course not. Another think is that, if you want to use the card, you should to make a purchase at minimum amount. If you make less than the minimum transaction, you can’t use the card.
For these reasons we think that credit cards are not fully effective as means of payment. We should trace the incoming and ongoing money in our transaction. Besides, we have to control our habit of “buying first, paying later” habit. Otherwise, without being realized we are charged a lot. You don’t have to use credit cards if it is not necessary.