There is so much controversy about this question on the internet (well not this question exactly but the idea of taking a reciprocal of a discontinuous function).
Some say you can if you make it clear that the point causing the trouble is excluded in some way. Others say that you cannot contemplate the idea. You are creating a meaningless situation with no definition. It really depends on what you have been told about division by 0. There are ways of getting around this, but you are not taking a calculus course and therefore you likely don't have the tools to deal with it. In any event, it does not look to me like you know about limits yet.
Your marker or teacher or tutor can go either way on this problem and be justified in marking you wrong no matter what you do. As instructed I will put what I think should be done in the comment section. And remember, I'm counting noses and going with the majority when I answer this. It's not anything I'm 100% certain of, but neither is anyone else.
Answer: the pros are not having to carry around large amounts of money ofc also if it gets stolen you can get a new card with the money amount that was originally on the stolen card the cons are that someone could steal your information and by things people could hack into you account as well
