Credit Card, Mobile Phone or Cash ??

In this modern era, technology has grown by leaps and bounds. These development helped people to do things more efficiently. One of them is the way how people making a payment on goods purchased. When it comes to online trading, we already know there is payment method via transfer, cash on delivery (COD), or credit card which is done via internet using a computer or mobile phone. The payment methods help customer and the seller in the transaction activity. By doing a payment using credit card, we do not need to carry cash as much as possible anymore. With mobile phone, now we could buy anything we need easily and more efficiently. No need to feel tired just for shopping anymore. But! Whether using mobile phone for shopping via online and using credit card as a payment instrument will last forever help us on doing transactions?? Could we use / apply it in Indonesia??

In this part, I'm going to tell you.... 

         "The cons of using credit card and mobile phone instead of cash to conduct transactions"

1. Using credit card = Owed !

    The more often we use a credit card, the more we accumulate debt. 😢

2. Using mobile phone to purchase something online may be at risk

    We don't know whether it is safe or not, buy something via online. For some unexperienced people on doing online transactions, may be they could be fooled by the sellers. What is the risk??

• not in accordance with the order
• money can be lost because of being cheated, but the goods are not shipped by the seller
• it is little difficult to shop via mobile phone for some people who don't quite understand
• spend a lot of time in the delivery of the goods when we need it as soon as possible 
• tardiness! 😴

3. For some people, it's better using cash than credit card for doing transactions.

4. Interest. One of the most obvious drawbacks of using a credit card is paying back interest 😱

5.  Ease of spending. Credit cards make it easy to spend money — maybe too easy. 😖

etc.

And the next topic.. Could we use / apply it in Indonesia??

Yes, of course !

Why not? This is a development of the technology! But, with all the cons of using credit cards and mobile phones to make transactions above, we know that we need to be wise in making a purchase or other transaction activities. If you want to shop online, look for a trusted store and see reviews from previous buyers of the goods they bought in the store. Be wise in using credit card!! Because using credit card means owed 😁.

So, which one would you prefer : cash, credit card or mobile phone?? 😺

Everything in this world has pro and cons sides, so be wise on doing something. 

Think first! Are you really need it?? you sure????? 😝

For me, I prefer to use cash for shopping in the market, mall or any place I can reach. And using mobile phone for shopping on product which is difficult to find. 

And that's enough for this topic. 

I thank to my english business lecturer who gave me this assignment, so I could improve my english.

See ya !! 😁