Credit cards

I have revised the following essay originally written by a student. Please help me make it sound natural. Thanks a lot.

The Effects of Using Credit Cards

Outline:

• Topic sentence: Credit cards should be used properly and responsibly.
• Supporting sentences:
  1. Many of us abuse credit cards and end up in debt.
  2. All credit card users are potential victims of credit card fraud.
  3. People still have to be able to afford the annual fee for credit cards.
• Concluding sentence: People should think twice before using credit cards.

Nowadays more and more people like to use credit cards. Although it is convenient to pay by credit cards, there seem to be some risks when using them.

First of all, using credit cards tempts overspending. Credit cards make impulse buying easily. Some consumers go deeply into debt buying items they don’t really need and can’t really afford. Second, all credit card users are potential victims of credit card fraud. If your credit card or account numbers are stolen, you will bear the loss heist made by the criminals. Finally, credit card holders have to pay annual fee charged by a credit card company. If cardholders don’t often use their credit cards, they still have to pay annual fee as an extra fee. It is a waste of money.

In conclusion, It is convenient to use credit cards to pay for the goods and service, but there are also many bad effects of it. Therefore, credit cards should be used properly and responsibly. People should think twice before using them.