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?

#reason #individuals #debt #overuse #credit #cards #banks #individual’s #ability #debts

✨ Do you want to improve your IELTS writing?

In recent times, there has been a tremendous increase in the number of people who use

credit

Use synonyms

cards and

this

Linking Words

has in turn resulted in an unwanted overuse of the same. Some argue that banks should not issue cards unless they are completely sure about the ability of an individual to pay back the debts and I completely agree with

this

Linking Words

. There are multiple reasons to support the fact that

credit

Use synonyms

cards are getting misused.

Firstly

Linking Words

majority

Suggestion

the majority

of youngsters want to have the cash without going through the

tradition

Suggestion

traditional

paper works that happens in any banks for loans.

This

Linking Words

is easy to get with minimum effort from our side, since a lot of representatives call each and every person on a day to day basis to complete their target.

Secondly

Linking Words

, most of these institutions offer free cards without any fee for almost

Suggestion

year and

hence

Linking Words

people are more attracted to

this

Linking Words

Moreover

Linking Words

, they even offer promotions and discounts on various shops which increases the number of people who prefer

this

Linking Words

. Since money has to be paid only at the end or

beginning

Suggestion

the beginning

of the month, they

can spent

Suggestion

can spend

without thinking and ultimately end up buying all unwanted and expensive items, which they could never buy with actual cash. Once they get used to

this

Linking Words

, it is difficult to change

this

Linking Words

trend. The aforementioned scenario has a detrimental effect on the society as well as the nation. Some people are of the opinion that banks should not give the cards unless they are totally sure about the repayment and I

also

Linking Words

believe

this

Linking Words

ought to be the correct way.

Although

Linking Words

it is beneficial to have a huge customer base, they should

also

Linking Words

consider the fact that people are misusing

this

Linking Words

, thereby increasing the debts. Even before issuing the cards, they must have a guarantee that the individual is capable of repaying.

Also

Linking Words

, it seems to be

better idea

Suggestion

a better idea

to check the bank statements to know the financial background before issuing the card as well as deciding the

credit

Use synonyms

limit.

For instance

Linking Words

, the recession that

happend

come to pass

happened

in the United States can be traced back to the overuse of credits. The same happened in India

also

Linking Words

due to the ignorance of

people

Suggestion

the people

as well as the institutions. To conclude, everything has a positive and negative aspect and

credit

Use synonyms

card is

also

Linking Words

usefull

being of use or service

useful

for people who know how to manage money. In my personal opinion, I believe that banks should be a little more responsible and careful

for

Suggestion

about

the issue of cards and the misuse should be controlled.

Submitted by Sometimes people think nowadays the media (TV, newspaper) are less concerned about the accuracy of news than in the past, and the incorrect information may cause more problem to the public? on Thu Jul 04 2019

Unauthorized use and/or duplication of this material without express and written permission from this site’s author and/or owner is strictly prohibited. Excerpts and links may be used, provided that full and clear credit is given to Writing9 with appropriate and specific direction to the original content.

Support ideas with relevant, specific examples

Examples make your writing easier to understand by illustrating points more effectively.

Examples, if used properly, not only help you get higher marks for ‘Task Response’ but also for ‘Coherence’.

When giving examples it is best to put them after your main idea or topic sentence. They can be used in the middle of supporting sentences or they can be used to start a new sentence. There is no rule for where exactly to give examples in essays, logically they would come after your main idea/topic sentence or just after a supporting sentence.

Linking words for giving examples:

for example
for instance
to illustrate this
to give a clear example
such as
namely
to illustrate
take, for example

Discover more tips in The Ultimate Guide to Get a Target Band Score of 7+ »— a book that's free for 🚀 Premium users.

8
Linking words
meeting the goal of 7 or more
1
Word repetition
meeting the goal of 3 or fewer
10
Grammar mistakes
detected issues

0123456789.0505

Overall Band Score

Coherence and Cohesion: 6.0

Logical structure

Introduction & conclusion present

Supported main points

Accurate linking words

Variety in linking words

Lexical resource: 4.0

Varied vocabulary

Accurate spelling & word formation

Grammatical Range: 4.0

Mix of complex & simple sentences

Clear and correct grammar

Task Achievement: 6.0

Complete response

7.5

Clear & comprehensive ideas

Relevant & specific examples

Appropriate word count

4 paragraphs

425 words

🚀 Prepare for IELTS writing section today!

Unlimited Task 1 & Task 2 checks
Practice with essays, charts, and letters.
Personalized suggestions & mistake analysis
Spot every mistake and boost your score.
Topic ideas & vocabulary helpers
Expand your ideas and use the right words.
Progress tracking
Watch your writing improve with every practice.

What to do next:

Look at other essays:

7
band
Happiness is considered very important in life. Why is it difficult to define? What factors are important in achieving happiness
It is true that happiness is an essential part of human life and provides people with satisfaction and mental joy. However, the definition of happiness is unclear since individuals have their own understanding and viewpoints on it.
<4
band
SOME PEOPLE DO NOT LIKE CHANGES AND PREFET TO DO THINGS THEY ARE GOOD AT, WHILE OTHER PEOPLE LIKE TAKING RISKS AND TRYING NEW THINGS. DISCUSS BOTH VIEWS AND GIVE YOUR OPINION.
Some individuals are prefer traditional life and avoid trying new experiences. While others intend to obtain stunning life , take risks and find interesting when learn new things. However, in this article, I will discuss these two views and I give my opinion.
8.5
band
Your friend from overseas is coming to visit you next month. Write a letter to your friend. In your letter, •tell them what they need to bring •tell them what they will be doing during the time they are visiting •warn them about some things that might be challenging
I’m so happy you are coming to visit me next month and wanted to give you some important details about your stay here in Ho Chi Minh City.
6
band
Some people think that the best way to improve public health is by increasing the number of sports facilities. Others believe that this would have little effect on public health and that other measures are required. Discuss both views and give your own opinion.
Public health is a crucial issue that affects society as a whole. While some people believe that building more sports facilities can enhance public health, others argue that this would not be sufficient, and alternative measures should be considered. In this essay, I will discuss both views and present my own opinion.
5
band
In the few decades, there have been more and more cases of famous people being hounded by the press. Some people think that famous people in the media should have no right to privacy. To what extent do you agree?
It goes without saying that people are using mobile phones to pay the bill. An argument has been put forward that different countries paying bills increasingly using their own mobile apps to pay the amount. In my opinion, this statement holds a valid ground.

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?

Support ideas with relevant, specific examples

Happiness is considered very important in life. Why is it difficult to define? What factors are important in achieving happiness

SOME PEOPLE DO NOT LIKE CHANGES AND PREFET TO DO THINGS THEY ARE GOOD AT, WHILE OTHER PEOPLE LIKE TAKING RISKS AND TRYING NEW THINGS. DISCUSS BOTH VIEWS AND GIVE YOUR OPINION.

Your friend from overseas is coming to visit you next month. Write a letter to your friend. In your letter, •tell them what they need to bring •tell them what they will be doing during the time they are visiting •warn them about some things that might be challenging

Some people think that the best way to improve public health is by increasing the number of sports facilities. Others believe that this would have little effect on public health and that other measures are required. Discuss both views and give your own opinion.

In the few decades, there have been more and more cases of famous people being hounded by the press. Some people think that famous people in the media should have no right to privacy. To what extent do you agree?