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The reason that most people are in debt is the overuse as well as irresponsible use of credit cards. Banks ought to do a background check and only issue credit cards to individuals who have the ability to pay back their debts. What is your opinion?

The reason that most people are in debt is the overuse as well as irresponsible use of credit cards. Banks ought to do a background check and only issue credit cards to individuals who have the ability to pay back their debts. What is your opinion? 2NQJ

In the contemporary era, because of crossing their financial limits, most people are struggling to make out credit card bills. Banks should come up with new protocols which allows them to take control of releasing the credit card for those who are incapable. And I totally agree with the statement. Two arguments which contributes my opinion are explained in the below along with the conclusion. To begin with, we are living in generation where everything is materialistic. We have assumed that, respect, love and more importantly image in the society comes with money-oriented things we possess. Subsequently, irrespective of our financial stability, we tend to buy expensive items which are least important for us whereas more important for others. For instance, last year, we brought very expensive furniture only to impress relatives. In the nutshell, we spend most of the money in building high class image in society without considering our financial stability; consequently, we become part of irresponsible customers group. Regarding issuing the credit cards, banks should come up with some strict rules and regulation which allows them to check person’s financial capabilities. By granting such things, banks can have a complete control over distributing the credit cards and they can only release the credit card who is capable of. All in all, banks should have protocols to take control over distributing the credit cards. It can be concluded that, we as human beings, it is most important that, we should act like a responsible customer for the banks and control all the expenses which are of unnecessary. At the same time, banks should also have some decisive criteria’s before releasing credit cards to customers.

In the contemporary era, This phrase/word is too simple and can be replaced with:due to the factin light of the fact thatowing to the fact that
because
 of crossing their You use this word too often, consider replacing it withfiscaleconomiccommercialmonetary
financial
 limits, most This phrase/word (depending on the context) can be potentially replaced with :individualsnationsociety
people
 are struggling to This phrase/word (depending on the context) can be potentially replaced with :createconstructmanufactureproduce
make
 out You use this word too often, consider replacing it withattention
credit
You use this word too often, consider replacing it withsheetposterlabelprogramcalendarticket
card
 bills. You use this word too often, consider replacing it withfundtreasurystorestock
Banks
 should This phrase/word (depending on the context) can be potentially replaced with :approacharrive
come
 up with new protocols which This phrase/word (depending on the context) can be potentially replaced with :authorizes
allows
 them to take You use this word too often, consider replacing it withdisciplinerestrictionmanagementforcegovernmentrestraint
control
 of releasing the You use this word too often, consider replacing it withattention
credit
You use this word too often, consider replacing it withsheetposterlabelprogramcalendarticket
card
 for those who are incapable. And I totally
This phrase/word (depending on the context) can be potentially replaced with :acquiesce
agree
 with the statement. Two arguments which contributes my opinion are This phrase/word (depending on the context) can be potentially replaced with :interpreted
explained
 in the below along with the conclusion.

To This phrase/word (depending on the context) can be potentially replaced with :initiatecommence
begin
 with, we are living in generation where everything is materialistic. We have assumed that, respect, This phrase/word (depending on the context) can be potentially replaced with :admireadore
love
 and more importantly
 image in the society This phrase/word (depending on the context) can be potentially replaced with :approachesarrives
comes
 with money-oriented things we possess. Subsequently
, irrespective of our You use this word too often, consider replacing it withfiscaleconomiccommercialmonetary
financial
 stability, we tend to This phrase/word (depending on the context) can be potentially replaced with :purchase
buy
 expensive items which are least This phrase/word is too simple and can be replaced with:vitalcriticalessential
important
 for us whereas more This phrase/word is too simple and can be replaced with:vitalcriticalessential
important
 for others. For instance
, last year, we brought This phrase/word is too simple and can be replaced with:extremelyimmenselysupremelysuperb
very
 expensive furniture This phrase/word (depending on the context) can be potentially replaced with :exclusively
only
 to impress relatives. In the nutshell, we spend most of the money in building high This phrase/word (depending on the context) can be potentially replaced with :coursetraining
class
 image in society without considering our You use this word too often, consider replacing it withfiscaleconomiccommercialmonetary
financial
 stability; consequently
, we become part of irresponsible customers group.

Regarding issuing the You use this word too often, consider replacing it withattention
credit
You use this word too often, consider replacing it withsheetposterlabelprogramcalendarticket
cards
, You use this word too often, consider replacing it withfundtreasurystorestock
banks
 should This phrase/word (depending on the context) can be potentially replaced with :approacharrive
come
 up with This phrase/word is too simple and can be replaced with:a number of
some
 strict This phrase/word (depending on the context) can be potentially replaced with :requirements
rules
 and regulation which This phrase/word (depending on the context) can be potentially replaced with :authorizes
allows
 them to This phrase/word (depending on the context) can be potentially replaced with :monitor
check
 person’s You use this word too often, consider replacing it withfiscaleconomiccommercialmonetary
financial
 capabilities. By granting such things, You use this word too often, consider replacing it withfundtreasurystorestock
banks
 can have a complete You use this word too often, consider replacing it withdisciplinerestrictionmanagementforcegovernmentrestraint
control
 over distributing the You use this word too often, consider replacing it withattention
credit
Use a comma before 'and' if it connects two independent clauses (unless they are closely connected and short).cards, and
cards and
 they can This phrase/word (depending on the context) can be potentially replaced with :exclusively
only
 release the You use this word too often, consider replacing it withattention
credit
You use this word too often, consider replacing it withsheetposterlabelprogramcalendarticket
card
 who is capable of. All in all, You use this word too often, consider replacing it withfundtreasurystorestock
banks
 should have protocols to take You use this word too often, consider replacing it withdisciplinerestrictionmanagementforcegovernmentrestraint
control
 over distributing the You use this word too often, consider replacing it withattention
credit
 cards.

It can be concluded
 that, we as human beings, it is most This phrase/word is too simple and can be replaced with:vitalcriticalessential
important
 that, we should act like a responsible customer for the You use this word too often, consider replacing it withfundtreasurystorestock
banks
 and You use this word too often, consider replacing it withdisciplinerestrictionmanagementforcegovernmentrestraint
control
 all the expenses which are of unnecessary. At the same time, You use this word too often, consider replacing it withfundtreasurystorestock
banks
 should also
 have This phrase/word is too simple and can be replaced with:a number of
some
 decisive criteria’s This phrase/word is too simple and can be replaced with:previouslyprior to
before
 releasing You use this word too often, consider replacing it withattention
credit
You use this word too often, consider replacing it withsheetposterlabelprogramcalendarticket
cards
 to customers. 