IELTS Grammar: correct the mistakes

People often make mistakes when they try to use 'difficult' language. Can you correct the following sentences and write them in a less complicated way?

1. Banks always motivates their customers for availing various types of credit cards.
2. As a credit card has become prevalent for which it is easy to apply and gain this, there are several problems that people undergo.
3. Credit cards do have both pros and cons but it depends on the inevitability of user and their attitude to know purposely that determines the usage of mostly worth of it.