Credit cards: advantages, disadvantages, and personal opinion and analysis

I need a summary of an article about the Credit Cards, I need the summary to highlights 3 major sections which are:

1credit cards advantages
2-credit cards disadvantages
3credit cards from a personal opinion and analysis

All these three sections information must be from the article that I will upload.

I need the English language to be simple for non Native Speaker; however, I want the information to be rich and DIRECT

I need the summary to be clear and summarize the whole article and gives a strong presentation of the credit cards from a law perspective.