Credit card is such a save way to pay
Credit card is such a
safe / secure way to make payment.
People often forget about their ability to pay because unconsciously they shops with unlimited service which credit card gives. Those problems raise debt and also financial difficulty in the back.
More often people failure to be conscious to their financial status while using credit cards which will later led them to be in deep trouble during repayment of credit card bills.As the enormous effect all of economical process suffering.
As a result of / Due to which people end up in huge financial crunchDumi has given some good advice which will really works for everyone here.
In addition to that, try to use noun phrase to make your sentence more interesting which is what examiners are looking for
eg : Deep Trouble instead of saying simply trouble
Highly beneficial, Huge debt, To large extent. Unexpected emergency situations etc ..
You have a good range of vocabulary, just align them into simply sentences appropriately.
Hope my advice may be helpful. Good Luck!!!