Some young people look forward to a year of travelling, a “gap year”; before they begin work or university and see it as a chance to broaden their horizons. For others, this is an expensive waste of time. Discuss both views and give your own opinion.

Sample 1:

The growth of the said trend can be attributed to two main factors. First, it often stems from people’s curiosity about past events. In many cases, this curiosity could lead to the discovery of an intriguing story about how life once was. Take apartment buildings in the Old Quarter of Hanoi for example. Built about 100 years ago, they are now still standing as the testimony of the way of life in the early 1900s and would offer interesting stories to dwellers with an inquisitive nature. Second, people’s interest in the building origins would often concern long-standing properties rather than newly constructed ones. And in old properties, there could be lurking dangers because, after all, these buildings are subject to deterioration following decades in use. Householders therefore need to learn about the house’s history so as to take necessary precautionary measures.

Currently, there are some methods that can be adopted to trace the origins of houses and buildings. The most reliable way is to turn to official records from local authorities. For houses and buildings to be erected, they would often need construction permits from local authorities, and information from them could show an extended history of the house ever since it came to be. Moreover, another approach is to consult the previous owners of the property. It may be a good idea to ask them whether there were any modifications made to the house or if they have the original layout design, which can be of great help if maintenance is needed. Lastly, there might be information about old buildings like the ones in Hanoi Old Quarter on the Internet or in historical libraries. These are also good methods for owners to track down the origins of their own properties.

In conclusion, curiosity and the insights needed for housing maintenance are the main factors contributing to this trend. Besides, with the help of authority, past owners, online tools or even historical books, people can research the history of their properties.

Sample 2:

Many citizens, nowadays, are inquisitive to learn about the home they live in as extensively as possible primarily because they want to learn about the background and style of their house, assess the safety, and find out if it is haunted. I believe nearby elderly citizens and the internet could be two invaluable sources for such curious people to find the best possible information about their buildings.

The knowledge of the background of a house gives people a sense of self-satisfaction. This is why people, especially those who live in a house that was built many years ago, are often interested in finding out more about the adobe. The background often includes how the house was painstakingly built in an era when technology was not so advanced. Thus, exploring the background reveals some unique and fascinating facts. For instance, it was a common misconception for many dwellers in the old part of our city that their houses were built during the English colonial era. In fact, researchers recently found that those houses were built mimicking the English styles but by the local masons. It was fascinating to finally learn about it. Moreover, the construction and the built quality of a house conveys much information about the safety and durability of the houses. Knowing such details could prevent people from facing any disaster like falling victim to a collapsed house. Finally, some people superstitiously think a house might be haunted if it has some bad history. Learning about its history often comes from their personal belief and their motivation to either cleanse the house or move off. 

To get proper information about the houses, people can talk to local senior citizens who have been living there for quite a while. They can offer first-hand information about the building and many more details that are not available elsewhere. On top of that, the internet could be another effective source to get details of a house. For instance, many websites store data about the houses in the UK, and anyone can find them online with just a few mouse clicks.

In conclusion, people's motivations to learn about their houses could range from safety reasons to simple curiosity, from superstition to practical reasons. To get the best information they can contact elderly locals and browse the internet.

Sample 3:

The history of a house or a building can be fascinating, sometimes daunting or even mesmerising at times if we try to delve into it. For some people, learning about the history of the houses in which they live, is utterly important for various reasons. This essay attempts to outline some of those possible reasons for this and a couple of methods to research this.

The first possible reason for many to become inquisitive about the past of their houses could be that they actually want to find a connection, if any, between themselves and the buildings. Such connections, or lack thereof, could actually provide an insight to them as to whether those buildings contained anything “unique” at some stages of their existence that would make them- the people that is – feel “special” among the others, or “different” from the rest of the crowds in their neighbourhoods. After all, I think that it feels really good to remain at the centre of attention every now and then.

Some people would be interested to learn about the history of their buildings, especially how they were built, or what kinds of materials were used to construct them because they want to make sure that the buildings are safe enough for living. After all, nobody would want to put their lives at risk by choosing to live in a “weak” building that was built with some “unreliable” materials about a century ago! 

But, for whatever reasons that they want to learn about the history of their buildings, it is always better that they ask the locals first to get their information about the former residents of their houses. They could also contact the local municipality or the concerned local authority who could apprise them about how the buildings were made. Finally, people could also visit a local library or the authority that keeps the information about old buildings, to learn about the history of buildings in their respective areas. 

To conclude, people are becoming more and more interested in the history of their houses primarily to find a unique feature of it to feel special or to learn about the architectural style and safety features of the house. They can contact local residents, municipality offices and the library to do the research work required to find the history of their houses.

Sample 4:

It is increasingly becoming common practice for people in many places to be inquisitive about the history of the houses or buildings they live in. This trend can be attributed to a variety of reasons, including a desire to understand the cultural and architectural significance of one's home, as well as a sense of personal connection to the past. In this essay, I will explore the reasons for this growing interest in the history of houses and discuss ways in which people can research the history of their homes.

The first reason for this growing interest in house and building history is a desire to understand the cultural and architectural importance of one's home. People may be curious about the style of architecture of their home and how it fits within the broader context of the neighbourhood or city. Additionally, individuals may be interested in learning about the people who have lived in their homes before them and the role the house has played in the community.

Another reason for this interest is a sense of personal connection to the past. People may want to know more about the history of their home because they feel a sense of belonging and connection to the place where they live. This can be particularly true for those who have lived in their home for many years or inherited it from a family member.

People can research the history of their homes in a variety of ways. One way is to start by looking for any historical records or documents that may be available through local historical societies, libraries or archives. These records may include deeds, maps, and photographs that can provide information about the home's history. Another good way to research the history of a home is to speak with long-time residents of the neighbourhood who may have knowledge about the home and its history. Additionally, people can research the history of the home by looking at census records, city directories, and newspaper articles.

In conclusion, understanding the history of one's home can deepen one's appreciation for the place where one lives, and provide a sense of connection to the past. It is believed that history and knowledge about homes would be easily accessible in the future.

Sample 5:

In contemporary society, there has been a marked increase in the number of individuals who display a keen interest in uncovering the historical background of their residences. This essay will examine the impetus behind this phenomenon and discuss various methods that can be employed to facilitate such research.

One of the primary reasons for this growing curiosity can be attributed to the desire for a sense of belonging and connection to one’s abode. As individuals become increasingly transient in their lives, relocating for work or personal reasons, they may seek to find meaning and stability in their living quarters. By delving into the past of their homes, they can establish a link with previous inhabitants, thereby fostering a sense of continuity and attachment.

Moreover, the value of historical preservation has gained prominence in recent years, with more individuals recognizing the importance of conserving architectural heritage. Learning about the past of a house or building contributes to this preservation effort, as it enables the current occupants to appreciate the significance of their dwelling and potentially safeguard it against future alterations or demolitions.

To satiate this thirst for historical knowledge, there are several avenues that can be explored by individuals. Firstly, local archives and libraries can provide a wealth of information, ranging from old maps and photographs to records related to construction and ownership. These resources can help to piece together a comprehensive narrative of the building’s past. Another fruitful approach involves engaging with neighbors or previous occupants, who may possess valuable oral histories and anecdotes that illuminate the lived experiences of the space.

In conclusion, the surge in interest regarding the history of one’s accommodation can be ascribed to the quest for belonging and the increasing awareness of the importance of architectural heritage. Utilizing local archival resources and engaging with community members can prove to be effective methods for conducting this research, enabling individuals to forge a deeper connection with their homes and the past that shaped them.

Sample 6:

In recent years, it has been observed that an increasing number of individuals in certain nations have exhibited a heightened curiosity toward uncovering the historical background of their residences or edifices. This essay will explore the underlying causes of this trend and suggest ways in which people can delve into the past of their abodes.

The primary reason for this burgeoning interest can be attributed to a desire to preserve and appreciate cultural heritage. As societies evolve and modernize, citizens often develop a sense of nostalgia for the past, seeking to understand the origins of their surroundings. For instance, historical structures often boast unique architectural features, which can reveal fascinating insights into the techniques and materials utilized by builders of bygone eras. Consequently, uncovering the narrative behind an edifice piques the interest of individuals who value these distinctive qualities and wish to maintain a connection with their cultural ancestry.

Additionally, understanding the history of a property may have practical implications, such as increasing its monetary value. A residence with a rich historical background or noteworthy past occupants can be perceived as a valuable asset, attracting potential buyers and investors. In this manner, a well-researched lineage of a house can serve as a unique selling point, contributing to its allure in the real estate market.

To embark upon the journey of tracing their property’s history, individuals can employ various research methods. A visit to local archives or libraries can yield valuable information, as they typically house historical records, such as property deeds, maps, and photographs. Furthermore, engaging with community members or local historians can provide anecdotal evidence, offering personal insights into the area’s history. Additionally, online resources, such as historical databases and genealogical websites, serve as convenient tools in supplementing one’s research.

In conclusion, the mounting curiosity toward the historical background of houses and buildings stems from a desire to preserve cultural heritage and capitalize on potential financial gains. To satiate this interest, individuals can utilize a combination of traditional and digital research methods, thus gaining a more profound understanding of their property’s past.

Sample 7:

In several countries, an emerging trend of individuals expressing an amplified interest in discovering the historical roots of their dwellings or constructions has been identified. This essay will delve into the factors contributing to this phenomenon and discuss avenues through which people can investigate the provenance of their habitats.

One possible explanation for this growing curiosity is the human propensity for storytelling and connection. Delving into the history of a building or house allows inhabitants to form a deeper bond with their living spaces, transcending the mere physical aspects of the structure. Another factor that may contribute to this fascination with architectural history is the influence of popular media. Television programs, documentaries, and online content often showcase the transformative potential of restoring and preserving aged structures, igniting public interest in the conservation of architectural heritage.

To satisfy their curiosity and investigate the histories of their dwellings, individuals can pursue various research strategies. One approach is to consult architectural historians or preservationists, who can provide expert guidance on the building’s style, construction techniques, and potential historical significance. Additionally, residents can access public records, such as census data, land registries, and building permits, which often contain information on previous owners, alterations, and construction dates. Finally, local historical societies and museums may house collections of photographs, artifacts, and documents that can shed light on the neighborhood’s past and the development of its architecture.

In summary, the rising interest in uncovering the historical foundations of residential properties can be attributed to the innate human desire for connection and the influence of popular media. By employing a multi-faceted research approach, individuals can unveil the rich tapestry of stories woven into the fabric of their homes, fostering a deeper connection with their living spaces and the broader community.

Sample 8:

In a number of countries, there has been a noticeable surge in individuals expressing a keen interest in uncovering the past of their domiciles or buildings. This essay will examine the factors stimulating this inclination and outline methods through which people can delve into the chronicles of their structures.

The burgeoning interest in the historical context of residences can be attributed to the increasing awareness of environmental sustainability. As societies grapple with the consequences of rapid urbanization, many individuals are embracing the concept of adaptive reuse, which involves repurposing older buildings while preserving their historical significance. By gaining a comprehensive understanding of the architectural background, inhabitants can identify potential restoration opportunities, thereby contributing to a more sustainable and environmentally friendly approach to urban development.

Another compelling factor is the potential for personal growth and enrichment. Studying the historical context of one’s abode offers an opportunity to expand one’s knowledge and understanding of the past, fostering a sense of intellectual curiosity. This pursuit of knowledge enables individuals to develop a more holistic view of their environment, promoting a deeper appreciation of the built heritage and its role in shaping the contemporary landscape.

To conduct research into the history of their homes or constructions, individuals have several avenues at their disposal. One method involves utilizing digital platforms, such as mobile applications and online archives, which provide access to historical records and images. These resources facilitate the process of tracing the architectural lineage, enabling users to uncover vestiges of their buildings’ evolution through time. Alternatively, seeking assistance from local government agencies, which often maintain repositories of historical data, can yield valuable information on building permits, ownership records, and architectural plans. Lastly, engaging in oral history projects, by interviewing long-term community members, can offer unique perspectives on the area’s evolution and the experiences of its inhabitants.

In conclusion, the growing fascination with the historical context of domiciles and constructions can be ascribed to the desire for environmental sustainability and personal enrichment. By employing a range of research methods, individuals can unearth the intricate layers of history embedded within their structures, fostering a more profound connection with their environment and its heritage.

Sample 9:

In several nations, there is a marked increase in individuals exhibiting a heightened curiosity about the historical narrative of their homes or buildings. This essay will discuss the factors that contribute to this emerging trend and propose ways people can investigate the antecedents of their structures.

One potential driving force behind this growing interest is the rise of genealogy and ancestry research, which has ignited a passion for personal history among many individuals. As people delve into their family trees, they naturally become curious about the spaces their ancestors inhabited and the connection between their living environments and family narratives. Consequently, learning about the history of their dwellings allows individuals to establish a more profound connection with their ancestors and enrich their understanding of their family’s past.

Another factor contributing to this enthusiasm for architectural history is the increasing appreciation for craftsmanship and authenticity. In a world characterized by mass production and standardized designs, the allure of unique and historic structures becomes more pronounced. These buildings embody the skill, dedication, and creativity of past artisans, fueling a renewed interest in architectural heritage and inspiring future innovators to push the boundaries of design and construction.

To investigate the history of their edifices, individuals can employ several strategies. One approach is to consult with architectural conservators or restoration specialists who possess expertise in historic building techniques, materials, and styles. These professionals can provide guidance on the age, significance, and architectural lineage of the structure. Another method involves examining primary source materials, such as historical newspapers, city directories, and property tax records, which can offer insights into the building’s past ownership, usage, and modifications. Finally, examining architectural plans, blueprints, or builder’s contracts, if available, can provide valuable information on the original design, construction details, and the vision behind the structure.

In conclusion, the increasing interest in the historical context of homes and buildings can be attributed to the growing enthusiasm for genealogy and the appreciation for craftsmanship and authenticity. By utilizing a variety of research techniques, individuals can unravel the historical tapestry of their living spaces, deepening their connection with both personal and architectural history.

Sample 10:

In recent times, an increasing number of individuals have been captivated by the idea of uncovering the historical background of their residential edifices. This essay will delve into the rationale behind this growing fascination, as well as the methods available for conducting such inquiries.

Firstly, one primary motivation for exploring the past of a dwelling may be the desire to assess its long-term structural stability and maintenance requirements. Older constructions have, over time, undergone various repairs and renovations, which might impact their current condition. Being cognizant of a building’s backstory can empower its inhabitants to make informed decisions, ensuring the safety and preservation of their homes. For instance, awareness of previous termite infestations would prompt the residents to take appropriate preventative measures to avoid a recurrence.

Another reason for this burgeoning interest in a domicile’s history might stem from curiosity regarding potential paranormal or supernatural occurrences within the premises. Such a phenomenon has long captured the human imagination, and many seek to either confirm or debunk these tales. By learning about previous occupants and their experiences, current residents can either embrace the building’s supernatural history or put their minds at ease. For example, a family might become intrigued by a local urban legend surrounding their home, prompting them to research its veracity.

Various approaches can be employed in the quest for historical information. One effective method is participating in local history walks or tours. These events, usually organized by historical societies and community groups, provide a wealth of information on the region’s architectural heritage and often reveal vestiges of the past related to individual buildings. Furthermore, individuals can consult public records, such as land registries and census data, to piece together a chronological narrative of their dwelling’s past.

In conclusion, the growing interest in a building’s history can be attributed to a range of factors, including assessing structural stability and supernatural occurrences. While local history tours offer an engaging way to learn about the past, a more comprehensive understanding can be achieved through the examination of public records. By doing so, individuals can gain a deeper appreciation for their homes and the stories they hold.

Sample 11:

In some countries, there is a growing interest among people in tracing the history of their homes. I think they research this for many reasons, perhaps out of interest, or to find a sense of connection. For help with finding answers, they should turn to the seniors in their neighborhoods.

Some people delve into the stories of their homes simply because they are curious. Many historical buildings have been torn down, which makes those that remain uncommon treasures in the city. As a result, it is likely that residents in the surviving buildings can't help finding out more about them, such as when they were built and why they look the way they do.

There are also people who do research to find a sense of connection. With concrete residential buildings everywhere, neighborhoods nowadays look very alike and, therefore, it is hard for people to feel something special about where they live. However, by learning about the buildings that once stood there and the people who lived in them, for example, a sense of connection and involvement may be fostered.

The best way for people to explore, I believe, is to ask the elderly in their neighborhood. Many seniors have lived in the same neighborhood all their lives. They have seen it change around them. They have witnessed people coming and going. Talking to them can definitely help one uncover some intriguing stories of the place where one lives.

In conclusion, curiosity and a desire to seek a connection are two possible reasons why people investigate the history of their homes. To find answers, they should ask the old people in their neighborhood for help.

Sample 12:

The trend of individuals seeking to uncover the history of their homes is becoming increasingly prevalent in certain countries.

This growing interest in a somewhat contentious subject can be attributed to various factors, with curiosity being the most common motivation. When one moves to a new place, a multitude of inquiries naturally arises, particularly about the origin of their dwelling. This curiosity is similar to the psychology of children, who, upon entering a new home, tend to focus on the security of their surroundings. Therefore, discovering the history of one’s residence becomes an essential aspect of settling in. Some individuals are driven by a desire to assess the feng shui of their house, determining whether it is regarded as auspicious or not.

The way in which people articulate the origin of their homes or buildings is diverse, and technological advancements have significantly facilitated this process. More specifically, the internet plays a crucial role in this exploration. Digital content related to your dwelling, such as blogs on platforms like Facebook, Instagram, and TikTok, provides accessible methods for exploring the history of your neighborhood. Alternatively, one can gather information by interacting with neighbors or consulting the previous owner of the residence. The extended period they have spent living and observing the house or building equips them with insights that can be valuable. For example, if there is an unusual arrangement in the garden, consulting the previous owner can provide clarity on the matter.

In conclusion, the increasing fascination with discovering the origin of one’s home or building is now taken as a given. People are inclined to favor the practice of exploring the history of their residences, driven by curiosity and aided by the accessible methods provided by technology.

Sample 13:

There is a necessity to restrict learning history for understanding civilizations or ancient culture. However, these days people from several parts of the globe are inclined towards understanding the history of their own houses and buildings. This essay will highlight a discussion based on the reasons for the rise in this interest area and the sources from which people could obtain more information related to the history of a building. First and foremost, the necessity of understanding the history of a building will help with effective and potential gathering of information based on the age of the building and materials that have been used for its construction. Thus, evaluating this information will help with understanding the durability of the concerned building. Additionally, people also put in their life savings in buying a home, thus, this will help them with deriving an understanding of their property and its sustainability state. On the other hand, another factor that provokes individuals to search the history of their buildings could be due to the increasing rate of crime and paranormal activities across the globe due to which people have become alarmed and cautious. There are a number of sources available that help out in researching the history of a place. Nevertheless, there are a number of documentaries and articles available online that will be more insightful to get in touch with the local population to obtain appropriate information associated with a given area. This is helpful as local people have been longer residents of the given area, they would be a key helper in spotting the abnormalities and inappropriate activities that took place in the past. However, to acquire a detailed and an in-depth understanding of the building, individuals or the owners of houses or buildings can always approach civil engineers or construction workers that will assist them with acquiring appropriate information of building history. To conclude, with this essay, I would like to quote that ease of access to any information online has resulted in people being more cautious about mentioned things.

Sample 14:

There are trends going on that suggest background checks based on the history of particular commercial buildings or residences are becoming common practice. These are mainly observed in particular with commercial buildings or residents while they live in. The major reason behind this research can be highlighted as the interest of individuals in finding family or behaviors of the residents that reside in the past in that building. This will help with ensuring the quality and value of the building in that neighborhood. This essay will be addressing this aspect in the preceding sections and will also highlight methods that can be used to find these details. It is common for human beings to find details about their own properties. To expand this, majorly real estate investors are focused over searching details and information of ancestors that resided in those buildings while searching for their period in those areas. Moreover, individuals these days like to thrive on the fame and reputation of a particular property that was built in earlier ages. Hence, they might look for methods that have been applied to accomplish the construction of a building and materials utilized. Nevertheless, property buyers may acquire details associated with the strength and value of those buildings prior to their purchases. If they wanted to acquire the above details, several methods can be utilized to find these sources from those areas. For instance, engaging in brief discussions with senior citizens in the neighborhood can provide valuable insights based on their experiences over the years. Moreover, they might consider ensuring the applicability of reliable resources that are published in the libraries about the concerned homeowners while going through with the plans relevant to the building that are approved by the councils. Thus, it can be concluded from the above discussion that humans tend to get familiar with the locations that have been used by people to live in and to find out about the reputation it gained.

Sample 1:

In the modern era, obtaining a credit card has become a simple process, granting individuals greater access to funds and enabling them to make purchases with ease. Despite the potential issues that may arise for those unable to repay their debts, I believe the advantages of credit cards significantly outweigh the disadvantages.

One of the primary advantages of credit cards is the convenience they offer. Credit cards enable users to make purchases without carrying large sums of cash, minimizing the risk of theft or loss. Additionally, credit cards allow individuals to make purchases online or in foreign countries, simplifying transactions and increasing accessibility to a wider range of products and services. Furthermore, credit cards provide financial flexibility, as they enable users to cover unexpected expenses and pay off the balance over time, thereby easing potential financial stress.

Another notable advantage of credit cards is the consumer protection they provide. Many credit card companies offer features such as fraud protection, allowing users to dispute unauthorized charges and avoid financial loss. This added security promotes consumer confidence in making transactions, both online and in person. An example is the fraud protection feature provided by Visa. Imagine a situation where a cardholder discovers a fraudulent online transaction. Visa's fraud protection policy allows this cardholder to dispute the charge, and after a brief investigation, the credit card company confirms the transaction was indeed unauthorized.

In conclusion, while the misuse of credit cards can result in financial difficulties for some individuals, I believe that the advantages of credit cards outweigh the potential drawbacks.

Sample 2:

Credit card or plastic money is the latest phenomenon and offer a very efficient way to do transactions without handling the actual money. The booming of banking sectors in recent years, on the other hand, has made it possible to apply for and get a credit card more easily than ever before. While the credit card offers a risk-free and convenient way of shopping or making any transactions, it has its demerits like becoming defaulter to the bank. My belief is that credit cards have far more advantages than the disadvantages they offer.

Initially, the credit card is easy to carry and possesses little risk of robbery and pickpocketing. The security system of a credit card makes it virtually impossible for a thief to steal someone’s credit card and use it. On the contrary, carrying a large sum of money is quite risky. From this regards, plastic money or better known as the credit card has made it possible to do hassle free transactions.

Secondly, by nature credit cards allow people to take credit from the bank and purchase their necessities from shops. From this perspective, it offers great economic freedom to people. Online shopping or e-commerce business has become so popular because of the online credit card transaction facilities. Many small online shops can run their business and get payment instantly only because of the innovation of credit cards and online payment. A shop owner is no longer doing local business and his customers come from every corner of the world and thanks to the credit card for making this happen.

Finally, the credit card allows banks to mobilise money, and this is quite an important aspect of the economic growth of a country. Think about the millions of transactions happening every hour via credit cards and their impact on mobilising the money and that would allow you to fully appreciate the importance of credit cards in the global economy.

Undeniably there are some disadvantages of credit cards especially when people cannot repay the amount they have already spent or when they are hacked. However, this cannot degrade the usefulness of plastic money in the modern era. Banks should never grant credit cards to people with bad credit records or to someone who does not have the economic stability to actually afford it. In fact, the credit limit imposed on every credit card actually does restrain people from being extravagant and becoming a bad creditor.

In conclusion, every technology has some negative aspects and that does not make the technology bad itself. Bank authorities should make strict rules about allowing credit cards to someone, and people should be more frugal when spending money they are obliged to return. Credit cards have so many advantages that make our life easier while the negative impacts could easily be controlled.

Sample 3:

The world today has become a majorly cashless society and the use of plastic money has crept in. Plastic money as one refers to it means the use of credit cards and debit cards instead of real paper money. Credit cards have made people’s lives easier since they have reduced the use of paper money to quite an extent which in turn has made the mode of payment simpler with just a swipe.

Many countries including India as well, most of the people have credit cards as they are very easy to obtain from the banks which issue them. People from all walks of life, be it a student, a businessman or even a homemaker have a number of credit cards with which they make everyday payments for something or the other. The best part about owning one is that a person does not have to carry cash all the time and is also less time-consuming as no money needs to be withdrawn from the account for any payments. These days all kinds of payments can be made with a credit card via the internet whether it is shopping online or payment of bills. Even if people do not have sufficient money in their savings account, a credit card can be used for payment up to a certain limit.

Though a credit card may seem the need of the hour by many people in this seemingly cashless society, it may have certain repercussions like overspending. People who are impulsive shoppers may spend money uselessly on items that are not required by them just because they have the capacity to pay via a credit card though they do not actually have the money. This creates debts for such people which leads to the accrual of debts. The return of the money overdrawn on a credit card attracts an interest, late or non-payment of this will lead to this interest being added to the actual amount. Hence, people will fall into debt unable to come out of it which might also lead to legal consequences as well.

In can be concluded that a credit card does make life easier for people in terms of payment for purchases made in today’s era but one should be careful not to be too free in its use and have a frugal attitude towards its usage.

Sample 4:

In today’s modern society, the use of credit cards is ubiquitous, which leads people to question whether this is a beneficial development. I think the advantages of credit cards far outweigh their disadvantages.

Having a credit card guarantees many benefits for you. The first benefit is that it reduces cash usage, which means being safer and more convenient for cardholders. For example, cardholders conveniently do not have to carry around lots of cash, which means that they are at a lower risk of being robbed. Another reason why credit cards are safer than cash is that they have PINs, which discourage thefts. The second benefit is that, because each bank now has its credit card, they offer various unique features to appeal to their customers. For example, most credit cards have a cashback or reward program. This cashback can save cardholders lots of money when grocery shopping, while the reward points can sometimes be converted to free trips or hotel bookings.  

However, there are still some drawbacks to having credit cards, which is why many people still choose to pay by cash. The tendency to overspend is one major problem with credit cardholders. Because credit cards allow users to spend more than the amount in their account balance, many users indulge in their spending, thus incur debts when they cannot pay back by the end of the month. Another problem is that credit cards are often targets for scams. Many people carelessly share information that might be answers to their security questions, like their relatives’ names, or the model of their first car, which makes scammers’ jobs easier. Another mistake when using credit cards is to take pictures of your credit card number, along with the PIN, since it is easy to hack into your phone to retrieve this information.  

In conclusion, although credit cards have their drawbacks, like the risk of overspending or being targets of scammers, I still think that the convenience and safety that it offers far outweigh its disadvantages.