In one to two paragraph, describe some of the advantages and disadvantages of using credit cards. PL HELP

SORRY if this is too much i tried

Advantages of using credit cards

There are many advantages when using a credit card as a method for purchasing goods. It does not necessarily mean that you do not have funds to cover those purchases. The use of a credit card, instead of cash or personal funds, offers the following advantages:

Building credit history.

A quick source of funds in an “absolute” emergency

No accrued interest if bill is paid on time and in full each month

Zero liability as consumers is not responsible for fraudulent charges when reported promptly.

Consumer protection ($50.00) if fraudulent charges are reported promptly in case the card is stolen or lost.

Disadvantages of using credit cards

Along with the advantages listed above, the use of credit cards can also have several disadvantages:

Established credit-worthiness needed before getting a credit card

Encouraging impulsive and unnecessary “wanted” purchases

High-interest rates if not paid in full by the due date

Annual fees for some credit cards – can become expensive over the years

Fee charged for late payments

Negative effect on credit history and credit score in case of improper usage

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