Question

Use the notes from Ex. 4 and your own ideas to write a for-and-against essay entitled 'Should teenagers have credit cards?' (120-180 words). Use the plan. Check your piece of writing and edit it.​

Answer 1

Ответ:

There are pros and cons to credit cards for students. Its benefit is that if you forget the money at home, you can send the money to your card. Because the card is small, you can put it on the back of the phone. Then the money on your card will not be lost. But it should always be filled. If you lose your card, all the money will be lost. You can close the bank account. If someone steals your card, they can spend your money. Similarly, fraudsters have appeared on the Internet. They will steal your money with the password of your card. Now that you've met someone on the Internet, you can't trust them. Therefore, it is important to keep the card in a safe place.

Answer 2

Title: Should Teenagers Have Credit Cards?

Introduction: In today's society, the topic of whether teenagers should have credit cards is highly debated. While some argue that it teaches financial responsibility, others believe it could lead to reckless spending habits. This essay will explore both sides of the argument and provide a balanced view.

Body:

Supporting Points:

1. Financial Responsibility: One of the main advantages of teenagers having credit cards is that it can teach them financial responsibility at an early age. By learning how to manage their expenses and make timely payments, they can develop important skills that will benefit them in the future.

2. Emergency Situations: Having a credit card can be useful in emergency situations. Teenagers who possess credit cards can easily access funds to cover unexpected expenses, such as medical emergencies or car repairs. This allows them to be more independent and less reliant on their parents or guardians for financial assistance.

Opposing Points:

1. Potential for Overspending: A significant concern with teenagers having credit cards is the potential for overspending. Without proper guidance and supervision, they may be tempted to make impulsive purchases, leading to debt accumulation. This lack of financial discipline can have long-term consequences on their financial well-being.

2. Fraud and Identity Theft: Teenagers may lack the awareness and knowledge to protect themselves from fraud and identity theft. They could unknowingly fall victim to scams or disclose sensitive information, jeopardizing their financial security. The risk of fraudulent activities is higher for teenagers who are less experienced in handling financial matters.

Conclusion:

In conclusion, the decision of whether teenagers should have credit cards is a complex one. While it can teach valuable lessons about financial responsibility and provide a safety net in emergencies, the risks of overspending and potential fraud cannot be ignored. To strike a balance, it is crucial for parents and guardians to educate teenagers about responsible credit card usage and closely monitor their spending habits. Ultimately, the decision should be based on the individual's maturity level and ability to handle financial responsibilities.