Write a argumentative essay:
Are credit cards neccassary?

Dear Student,
Given below are few points that will help you frame a complete answer. Such questions are meant to test your writing skills and should be attempted on your own. 

• Credit cards come in handy when carrying a lot of cash may become a problem.
• One can get loan against credit cards.
• The payment can be made in  EMIs.
• Reward points can be earned against purchases.
• But, theft and fraudulent activities related to credit cards can cause severe losses of money.
• Many people get by equally well by using cash.
• Our spending may become more than our earning and we may pile up a debt by using credit card without judicious planning and self-control.  

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