More and more banks are offering credit cards for students and young clients. A bank account is a serious matter and we all should know about it. But in reality, it has its advantages and disadvantages.

First of all, if we have a credit card we can easily get a large amount of cash even if we don’t have anything in the wallet at the moment! Also, it’s a lot easier and safer to pay via credit card in the web stores over the Internet.

On the other hand, we can’t use our money properly because we don’t pay attention that we spend too much or we bought something what we actually don’t need. What’s more, too young people get access to credit cards and they can be easily tricked or robbed.

Finally, with credit card we can buy something what we couldn’t afford otherwise before – we can make our dreams come true. But then comes reality: young persons are in debt even if they don’t have permanent, well paid jobs.

In conclusion, I think that a bank account is a really serious matter and we should think twice before we decide to start one.