50 Latest Credit IELTS Topics

Opinion

The reason that most individuals are in debts is due to the overuse as well as irresponsible use of credit cards. Banks should not issue credit cards unless they are completely sure of an individual’s ability to pay back their debits. To what extent do you agree with this?

Opinion

Nowadays it is easy to apply for and be given a credit card. However, some people experience problems when they are not able to pay their debt back. In your opinion, do the advantages of credit cards outweigh the disadvageants?

Opinion

Nowadays, it is easily to apply and be given a credit card. However, some people experience problem when they are not able to pay their debt. In your opinion do advantage of credit card outweigh or disadvantage.

formal

You are being harassed wrongly by Debt Collection Agency for the amount that you did not spend on your credit card. Write a letter to Banking Ombudsman Department and escalate the complaint. In your letter, • introduce yourself • describe what happened • say what you want the officer to do

Opinion

Nowadays it is easy to apply for and be given a credit card. However, some people experience problems when they are not able to pay their debt back. In your opinion, do the advantages of credit cards outweigh the disadvantages?

Opinion

Coins and paper money will soon be replaced by credit and bank cards. Eventually we will have a cashless society which will be safer and more convenient for everyone. Do you agree or disagree

formal

You should spend about 20 minutes on this task. You have just received a credit card statement from your bank. The statement lists a number of expensive purchases that you are sure you did not make. Write a letter to the bank manager. In the letter: • Introduce yourself. • Explain that you did not buy the items listed. • Say what you would like the bank to do to fix the problem.

Opinion

It It has become very common for people to borrow money. Most people have a credit card, a mortgage and öften they will buy a car on credit as well. Is this a good idea or is it too riske? Discuss both views and give your own opinion.

Discussion

The debate on cash versus credit card has been going on for some time. Credit is still a fairly new concept within the history of finance; so many people would rather stick with paper money. According to you, which is a better payment method, cash or credit? Give reasons for your answer and include any relevant examples from your own knowledge or experience.

Opinion

In order for many young people to contribute to our society, it is worthwhile to make university/college students do colunteer work in order to give credits which are necessary for their degrees. To what extent do you agree or disagree?

Advantages and Disadvantages

Evidence suggests that there is a significant rise in the number of money-consumers having willing to use a credit card more than cash. Although some disadvantages are accruing to credit card usage, I believe that advantages outweigh the disadvantages.

formal

You should spend about 20 minutes on this task. You have just received a credit card statement from your bank. The statement lists a number of expensive purchases that you are sure you did not make. Write a letter to the bank manager. In the letter: • Introduce yourself. • Explain that you did not buy the items listed. • Say what you would like the bank to do to fix the problem. You do not need to write any addresses. Begin your letter as follows: Dear Sir or Madam, You should write at least 150 words.

Opinion

Coins and paper money will soon be eliminated by credit cards and bank cards. Eventually we will have a cashless society which will be safer and more convenient for everyone. Do you agree or disagree?

formal

You have lost your credit card Write a letter to the manager of your bank In the letter explain how you lost the card ask the manger to cancel the old card and to issue you a replacement

Advantages and Disadvantages

A “cashless society” is one where people use debit/credit cards and other forms of payment. Do the advantages of a cashless society outweigh the disadvantages?

Advantages and Disadvantages

People today are able to take out loans from the bank or get a credit card very easily. What are the advantages and disadvantages of this practice?

Discussion

Write about the following topic: Nowadays plastic money replacements such as credit and debit cards are extremely popular, even more than banknotes and coins. Discuss the advantages and disadvantages of this. Give reasons for your answer and include any relevant examples from your own knowledge or experience.

formal

You recenly received a letter from your bank that should have contain a new credit card. Unfortunately, the card was not in the letter. Write a letter to your bank manager. In your letter: -Explain what has happened. -Suggest the card could be cancelled for security reasons. -Ask when the new credit card can be sent to you.

multiple

The line graph shows the percentage change in taxation and available credit. The bar chart illustrates the development of spending in 3 industries of UK citizens.

Advantages and Disadvantages

A"cashless society" is one where people use Debit/Credit cards and other forms of payment instead of cash. Do the advantages of a cashless society outweigh the disadvantages.

Problem and Solution

In many countries it is very easy to apply for and be given credit card. However, this causes some people to have problems with debt they cannot pay back. Do the advantages outweigh the disadvantages?

Opinion

It has become very common for people to borrow money . Most of people have a credit card a mortgage and often they will buy a car on credit as well . Is this goid idea or is it too risky? Discuss both views and give your opinion.

formal

You ordered a new credit card from the bank about 14 days ago and still have not received it. You are not happy about this. Write a letter to the bank. In your letter say: Why you are writing to them. Ask why you have waited so long for the new card Ask the bank manager what he will do about this matter.

Opinion

It has become very common for people to borrow money. Most people have a Credit Card, a mortgage and often they will buy a car on credit as well. Is this a good idea is it too risky? Discuss both views and give your own opinion.

Opinion

Some people think that paper money and coins will be completely replaced by credit cards and online methods of payment in the near future.Do you agree or disagree with this statement.

formal

You have just received a credit card statement from your bank. The statement lists a number of expensive purchases that you are sure you did not make. Write a letter to the bank manager. In the letter: • Introduce yourself. • Explain that you did not buy the items listed. • Say what you would like the bank to do to fix the problem. You do not need to write any addresses. Begin your letter as follows: Dear Sir or Madam, You should write at least 150 words.

Opinion

In many countries, it is very easy to apply for and be given a credit card. However, this causes some people to have problems with debts they cannot pay back. Do you think the advantages of credit cards outweigh the disadvantages?

Discussion

It has become very common for people to borrow money. Maby people have credit card, a mortgage and often they buy a car on credit card as well. Is this a good idea or this is too risky? Discuss both views abd give your own opinion.

Opinion

COins and paper money will soon be replaced by credit and back cards. DO you agree or disagree that eventually we will have a cashless society which will be safer and more convenient for everyone?

Problem and Solution

Nowadays it is easy to apply for and be given a credit card. However, some people experience problems when they are not able to pay their debts back. Do the advantages of credit cards outweigh the disadvantages?

formal

You have just received a credit card statement from your bank. The statement lists a number of expensive purchases that you are sure you did not make. Write a letter to the bank manager. In the letter: • Introduce yourself. • Explain that you did not buy the items listed. • Say what you would like the bank to do to fix the problem

Opinion

Many people are using credits cards or loans to run up huge personal debts that they may be unable to repay. it should therefore be made more difficult for individuals to borrow large amounts of money. What are your opinion on this.

formal

You recently received a letter from your bank that you should have received a new credit card. Unfortunately, the card was not in the letter. Write a letter to your bank manager. In your letter . Explain what has happened . Suggest the credit card should be cancelled for security reasons . Ask when a new credit card can be sent to you

formal

You recently transferred money into your bank account through online banking but the money was not credited to your account. Write a letter to your bank manager. In your letter, introduce yourself describe the situation tell what you want him to do

Opinion

The reason that most individuals are in debit is due to the overuse as well as irresponsible use of credit cards. Banks should not issue credit cards unless they are completely sure of an individual’s ability to pay back their debits. To what extent do you agree with this?

formal

You should spend about 20 minutes on this task. You have just received a credit card statement from your bank. The statement lists a number of expensive purchases that you are sure you did not make. Write a letter to the bank manager. In the letter: • Introduce yourself. • Explain that you did not buy the items listed. – I am on vacation • Say what you would like the bank to do to fix the problem.- investigate the case/send revised credit card statemen

formal

You should spend about 20 minutes on this task. Write at least 150 words. You recently went to a restaurant but think you could have left your credit card behind. Write to the restaurant. In your letter •Tell them when you went there •Describe where you think you may have left the credit card •Explain what you would like the restaurant to do You do NOT need to write any addresses.

Advantages and Disadvantages

Nowadays plastic money replacements such as credit and debit cards are extremely popular, even more than banknotes and coins. Discuss the advantages and disadvantages of this.

Problem and Solution

In many countries it is very easy to apply for and be given credit card. However, this causes some people to have problems with debts they can't pay back. Do the advantages outweigh the disadvantages.

Opinion

The reason that most people are in debt is the overuse as well as irresponsible use of credit cards. Banks ought to do a background check and only issue credit cards to individuals who have the ability to pay back their debts. What is your opinion?

formal

You have just received a credit card statement from your bank. The statement lists a number of expensive purchases that you are sure you did not make. Write a letter to the bank manager. In the letter: • Introduce yourself. • Explain that you did not buy the items listed. • Say what you would like the bank to do to fix the problem. You do not need to write any addresses. Begin your letter as follows:

formal

While travelling by metro train, your credit card slipped out of your pocket. You realized this only after reaching home. Write a letter to the concerned authorities and explain what happened.

formal

You recently went to a restaurant but think you could have left your credit card behind. Write to the restaurant. In your letter Tell them when you went there Describe where you think you may have left the credit card Explain what you would like the restaurant to do

Opinion

Nowdays it is easy to apply for and given a credit card. However,some people experience problems when they are not able to pay their debts back. In your opinion, do the advantages of credit cards outweigh the disadvantage?

Opinion

The reason that most individuals are in debt is due to the overuse and irresponsible use of credit cards. Banks should not issue credit cards unless they are completely sure of an individual’s ability to pay back their debts. To what extent do you agree with this?

Advantages and Disadvantages

Today credit cards are easy to get in many countries, but some people who use them struggle to pay their debt. Do the advantages outweigh the disadvantages?

formal

You should spend about 20 minutes on this task. You have just received a credit card statement from your bank. The statement lists a number of expensive purchases that you are sure you did not make. Write a letter to the bank manager. In the letter: • Introduce yourself. • Explain that you did not buy the items listed. • Say what you would like the bank to do to fix the problem. You do not need to write any addresses. Begin your letter as follows:

Opinion

Some people think that paper money and coins will be replaced completely by credit cards and online method of payments in the near future. Do you agree or disagree with their statement?

Opinion

It has become very common for people to borrow money. Most people havea credit card, a mortagage and often they will buy a car on credit as well. Is this a good idea or is it too risky? Discuss both views and give your own opinion.

Opinion

The increasing use of credit cards has led to a rise in personal dept. Some people argue that this is a problem that needs to be addressed, while others argue that it is a necessary part of modern life. Discuss both sides of this argument and give your own opinion.