IELTS Writing Samples by topic

6.5

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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 d

Overspending is a current trend nowadays, which can lead to higher debt proportion in the community. Some people believe that banks should apply the strict role of using credit cards. However, credit cards come with many

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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

In this present age, credit cards play a major role; they are like a pre-approved loan that helps customers in times of emergency or in-store purchases on credit. Overusing or using credit cards carelessly is the main ca

6.5

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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

Most people lack the ability to manage their finances efficiently and effectively which ultimately results in bankruptcy. People are not aware of the consequences of using their credit cards. They blindly use lines of c

6.5

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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

There are a number of people who are trapped in a debit obstacle due to the over-used of a credit card. Many debt cases happen because nowadays people can obtain credit card facilities more easily compared to people in

8.5

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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

Nowadays, the number of citizens who run up an overdraft is increasing, and the reason for their debts is using credit cards constantly and irresponsibly. To tackle this problem, banks should not provide cards to custome

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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 d

bank should check the individual background employee

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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

To avoid individuals overusing credit cards, banks tend to not issue them to those who can't pay back their debts and have bad habits of the irresponsible use of that money tools. In any measure, I disagree with that som

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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

In the modern era of financing, everyone wants to achieve their dreams without thinking about their financial history and opt for credit cards from banks. The masses recklessly use credit cards and lay down in debt due t

6.5

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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

The majority of the population is suffering from debt because they do not save money and spend their money irresponsibly with credit cards. Although some think that banks should not allow individuals who have no ability

7.5

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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 d

Nowadays, using credit cards is one of the most popular payment methods all over the world. However, debt is becoming considerably common because of the fact that people frequently overspend their money, as well as fail

7.5

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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

The usage of credit cards in a reckless manner and also exploiting it to a larger extent are the causes of the majority of the population facing a situation near bankruptcy.I believe in order to prevent these circumstanc

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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

Although post-paid cards are the means to survive in undesired financial situations, since, its overuse and capricious handling could lead to rising debts among the people. Despite, of strict rules and regulations which

7.5

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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 d

Debt is something that many individuals hope they will never have to experience in their lifetime, however, for the unfortunate few who do encounter this, it is mainly due to their reckless and irresponsible spending. So

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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 d

Nowadays, it is undeniable that credit cards are a useful thing in our life. Credit cards help people’s life easier when they spend. However, if someone does not estimate themself while spending via cards and also lack r

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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

In the present age, society is dealing with a serious issue. More and more people tend to use their charge plate irresponsibly. Part of the population shares the opinion, that banks should provide charge plates only to t

5.5

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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

In the present age, society is dealing with a serious issue. More and more people tend to use their credit cards irresonsibly. Part of the population share the opinion, that banks should provide credit cards only to thos

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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

Reckless use by the credit card leads to over limit their credit card although bank should do a centralized personal credit history check up but i think this will not help the bank for the people to repay their credit ba

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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

I believe that majority of the people are negligent in repaying their credits therefore, banks should have to conduct an assessment to check their previous banking history before approving credit cards to individuals.

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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 d

The invention of credit card and internet banking has created many benefits for customers with fast transactions at any time in recent years. However, some people think that banks need to ensure the ability to pay back

4.5

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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 d

The invention of credit card and internet banking have created many benefits for customers with fast transactions at anytime in recent years. However, some people think that banks need to ensure the ability to pay back

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