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Should people spend tomorrow’s money with credit card or loan from the bank? .A1：Credit and debit cards are expected to overtake cash this year as Britains most popular method of payment, according to a new industry report. Nowadays more and more people spend tomorrow’s money with credit card or loan from the bank to make their dreams come true .For instance, they can own houses, cars, and so forth even they don’t have enough money in hand. It’s wonderful.So; people should spend tomorrow’s money. B: As a contemporary young people in consumption, unilaterally pursuing high-grade ignoring their own economic bear ability will make himself and his family carry on the heavy baggage. People spend tomorrow’s money with credit card or loan from the bank should not be encouraged. A2: Today live for today not tomorrow.we can let us live more comfortablely that cannot be believable before,so we should Cherish the opportunity. we cannot afford those things, but we can also use them. B: Maybe it can improve people’s life level ahead of time.However, If you can afford the first debt and buy something with credit card or loan from the bank, but your income is not high enough, then your basic life safeguard will be hard to keep after returning the bank loans. A1:That?s all right.however, spending tomorrow’s money with credit card or loan from the bank doesn’t means blind consumption.if we consume rationally and don抰 make us overdraw ,everything will be OK. B: But another problem must be taken into consideration. There are many cheaters to cheat money by all manner of means and those people who spend tomorrow’s money with credit card or loan are good targets. A2: Fraud losses on plastic cards fell by 5% as measures to combat crooks started to take effect. And a new generation of cards is being introduced, and by the end of this year most people making face-to-face purchases will have to type their four-digit Pin number into keypads at tills and will no longer have to sign receipts