Nowadays, credit card consumption has been a commonphenomenon in our lives. However, different people hold different views in itand heated debates are right on their way.

Some are in favor of the credit card consumption. Theypoint out the fact that credit card provides a convenient and safe way for ourconsumptions. They consider that using credit card to pay is more convenientand clean than pay by cash, which is as easy to lose and unclean. In addition,they argue that credit card can help a lot when we are meeting seriousfinancial trouble. For example, when we get involved in trouble and need lotsof money to solve it, the overdraw function of credit card would be a goodhelper.

However, there are many people standing on the otherground. They figure out that credit card consumption has brought some seriousproblems in many aspects. Many people spend their money recklessly by usingcredit card. And what’s worse, those who can not control the desire to consumeand never make a plan to spend their money will overdraw the money immoderatelyand that will cause more and more family involve in financial crisis.

In my opinion, the both sides have some importantpoints. Therefore, as rational consumers, we should use credit card properly.On the one hand, we can utilize its advantages for the convenience of ourpayment. On the other hand, we should keep a rational mind when using it, incase we will suffer from it.