Marne Ke waqt ki Feelings Scientist Ki Tehqeeq
مرتے وقت انسان کیا محسوس کرتا ہے ؟؟؟ جدیدسائنسی تحقیق نے دل دہلا دینے والا ویڈیو چلا دی ویڈیو دیکھیں
We all have credit cards or we at least know a lot of people who use credit cards on daily basis. There are obviously a lot of potential advantages and positive aspects of having this facility with us at all times. However, like most other things in life, it does not come without its negative sides and potential disadvantages.
We have already discussed some of the important advantages and benefits of consumer credit, and more specifically using credit cards, in an earlier article. Now, in this article, we will discuss some of the crucial disadvantages or negative aspects of opting to use credit facility, especially the credit cards. One of the most commonly cited disadvantage of using credit cards is related to the habit of over spending. This point is exactly according to common human nature and psychological behavior.
It becomes very difficult for most people to refrain themselves from spending when they have easy availability of money, even if it credit. While actually taking money out of the wallet, counting it and then giving it to other person can make us to think for a moment, merely swiping a card is known to have no such psychological effects. Therefore, one must be willing to make deliberate efforts to stop himself from overspending while shopping otherwise it can have serious financial implications and long term negative consequences.
Closely related to the above point is that you end up accumulating a considerable amount of debt by using this facility. You get encouraged to spend more than you can easily afford and it becomes very difficult to pay later on. Even if the payment is made at the end of the period, very less money is left to be spent elsewhere.