On the other hand, the credit card can be a negative influence<s style="background-color: rgb(255, 255, 0);">s</s> because people tend to spend more than <s style="background-color: rgb(255, 153, 0);">the money that </s> (redundant) they have. It will be hard to pay <s style="background-color: rgb(255, 255, 0);">for</s> the credit card company because the <s style="background-color: rgb(255, 255, 0);">more you late payback </s>later you pay, the more interest<s style="background-color: rgb(255, 255, 0);">s</s> increases (a better word here, as we are talking about finance, would be 'accrues') or it also can become <s style="background-color: rgb(255, 255, 0);">dept </s>(better to say 'bad debt' as all credit card spending is debt but I think you are referring to debt that someone is unable to pay). Some people need to go bankrupt due to it <s style="background-color: rgb(255, 255, 0);">became incredibly</s> becoming too hard to pay at all. In addition, going bankrupt brings many inconveniences. For example, people need to leave (better to say 'sell' or 'liquidate') all <s style="background-color: rgb(255, 255, 0);">their</s> assets <s style="background-color: rgb(255, 255, 0);">all</s> they own. Moreover, they become unable to work in some <s style="background-color: rgb(255, 255, 0);">working</s> fields such as <s style="background-color: rgb(255, 255, 0);">the</s> government office. Thus, they will have a difficulty if they utilize credit cards wrongly (OK but 'erroneously' would be a better fit, or could say 'if they misuse credit cards').

In conclusion, I have provided <s style="background-color: rgb(255, 255, 0);">the</s> both aspects of the effects <s style="background-color: rgb(255, 255, 0);">for</s> on personal finances from using credit cards. Although it has some disadvantages, I believe that people who are living in <s style="background-color: rgb(255, 255, 0);">the</s> modern society need credit cards because it gives them beneficial chances ('opportunities' is better) which make them happy and fun to spend their money and it can circulate economy well (not sure what is meant here?) by making them use their money or points in the many places that the credit card company <s style="background-color: rgb(255, 255, 0);">connects </s>allows.

The last sentence is a little long and complicated. You could say 'Although it has some disadvantages, I believe credit cards are positive in modern society because it enables people to benefit from reward schemes.'

Nice essay, I enjoyed reading it!

The advantages and the disadvantages of credit card use

A credit card is a very useful tool and it is used all around the world. Some people believe that the credit card influences positive effects for an individuals finances while others claim that it has negative aspects. In this essay, I will look at both views between positive points of <s style="background-color: rgb(255, 255, 0);">using the</s> credit card use and negative points of it and explain the reasons.

First of all, the advantage of the credit card is that people can earn points when they spend money with it <s style="background-color: rgb(255, 255, 0);">so that they can</s> and then redeem as <s style="background-color: rgb(255, 255, 0);">to</s> (airline) miles or <s style="background-color: rgb(255, 255, 0);">any other money that the</s> through credit card company affiliates. This is one of the strong advantages because people can derive a chance for a free flight or they can drink coffee with no charge<s style="background-color: rgb(255, 255, 0);">e</s> if the credit card company <s style="background-color: rgb(255, 153, 0);">co-operates</s> (OK but sounds better to say 'is associated' or 'is linked') with an airline company. For example, I used to drink free coffee <s style="background-color: rgb(255, 255, 0);">since</s> using the points that I earned with my credit card <s style="background-color: rgb(255, 255, 0);">can</s> to redeem <s style="background-color: rgb(255, 255, 0);">to</s> as a gift card <s style="background-color: rgb(255, 255, 0);">of</s> for a coffee shop chain. My life became<s style="background-color: rgb(255, 255, 0);"> a</s> marvelous <s style="background-color: rgb(255, 255, 0);">life by</s> drinking <s style="background-color: rgb(255, 255, 0);">the</s> free coffee every morning. Therefore, the expense that they suppose to pay will reduce (not sure of the intent of this...maybe 'therefore people can use this to reduce their expenses/cost of living'?). As a result, <s style="background-color: rgb(255, 255, 0);">their</s> saving money will <s style="background-color: rgb(255, 255, 0);">hard to decrease so that it can</s> help the individual's finances. This is why it is helpful to own <s style="background-color: rgb(255, 255, 0);">the</s> a credit card for personal finances.

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Are the pharagraps written correctly?