Homework 2

Secondly, banks shouldn\'t issue credit cards without proving people\'s ability because today\'s people use credit cards too much. When people use credit cards, they don\'t see any cash and only see plastic cards. So, it makes people feel like they don\'t spend real money, and this allow people to overuse their credit cards. However, when people get a credit card bill, they finally realize how much money they spent. And they start to worry about a way that they afford it. Therefore, banks should check one\'s ability before they loan money to customers because people use credit cards too much, so they can\'t afford it. In conclusion, banks should not provide credit cards until people prove their ability that they can pay back a loan. And, I totally agree with this idea because there are many people who use credit cards too much, and some people can\'t even afford interest of their loan.