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

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

credit

cards and

this

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

. There are multiple reasons to support the fact that

credit

cards are getting misused.

Firstly

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

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

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

Suggestion

year and

hence

people are more attracted to

this

Moreover

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

this

. 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

, it is difficult to change

this

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

believe

this

ought to be the correct way.

Although

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

also

consider the fact that people are misusing

this

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

Also

, 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

limit.

For instance

, 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

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

card is

also

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.

Do you want to check your IELTS essays?

Submit unlimited essays, letters and charts. Sign up right now and start improving your writing skills.

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

4 paragraphs

425 words

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

🚀 Prepare for IELTS writing section today!

Unlimited Task 1 checks
Get all the feedback you need to keep improving your charts and letters.
Unlimited Task 2 checks
Practice and perfect your skills with essays.
Personalized suggestions
Know how to boost your score.
Detailed mistakes analysis
Get instant feedback. Spot every mistake.
Topic ideas generator
Get topic-specific ideas to enhance your writing.
Vocabulary helper
Get the right words for any topic.
Progress tracking
Track your writing improvements.

What to do next:

Look at other essays:

4.5
band
More and more people are working from rather than at the workplace. Some people say this will bring benefits to the workers and their families, but others think it will bring stress to the home. Discuss both views and give your own opinion.
In this era of modern technology, remote work can be as effective and productive as office work. We, as a humanity, have already proven this during the COVID-19 pandemic, when the world suddenly stopped its activities and started to find new ways to adapt to these sudden changes. That includes the way that we work. This new method of work, called remote work, allows workers to have more to spend with their families and save more money since they do not need to pay anything to commute or lunch. It will also provide workers with the ability to choose the most comfortable workplace, thus bringing more happiness to the workers. Unfortunately, these positive ideas of remote work are sometimes not as good as they should be once it is applied. There have been many cases where remote work causes families to separate instead since not all workers can manage their time well, thus affecting their time with their families. Sometimes, the workplace could also be the cause of it because they ass...
4
band
Some people think that it is important to use leisure time for activities that improve the mind , such as reading and doing word puzzles . Other people feel that it is important to rest the mind during leisure time . Dicuss two views and give your opinion .
In the modern world, there are some pupils who consider that a variety of activity spend in their free time such as listening to music, watching films and so on. While some people claim that sleeping is much more comfortable than activities. from my perspective, I believe that both views are necessary moments in their lifestyle. This essay will demonstrate and provide examples to illustrate.
5
band
The most important aim of science should be to improve people's lives.To what extent do you agree or disagree with this statement?
It is stated that the primary objective of science ought to be to enhance ordinary people’s lives. To the future survival of mankind, science has a great contribution and I completely agree with the given statement.
5.5
band
In somes countries, more and more people are becoming interested in finding out about the history of the house or building they live in. What are the reasons for this? How can people research this?
Nowadays, with the advanced technology, and most of the time living indoors, many people are interested in finding the history of the place they live. We shall explore what are the root causes and reasons behind, them and how and in which ways they are doing so.
8.5
band
You live in a small apartment building. You are frequently bothered by noise from your upstairs neighbor’s apartment. Write a letter to your neighbor. In your letter: Describe the situation Explain why it is a problem for you Suggest a solution.
I hope this letter finds you well. I am writing to express my concerns associated with the noise from your apartment. I understand that hosting parties at home can be enjoyable and bring people together, but the noise has become disruptive, especially during late hours.

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

More and more people are working from rather than at the workplace. Some people say this will bring benefits to the workers and their families, but others think it will bring stress to the home. Discuss both views and give your own opinion.

Some people think that it is important to use leisure time for activities that improve the mind , such as reading and doing word puzzles . Other people feel that it is important to rest the mind during leisure time . Dicuss two views and give your opinion .

The most important aim of science should be to improve people's lives.To what extent do you agree or disagree with this statement?

In somes countries, more and more people are becoming interested in finding out about the history of the house or building they live in. What are the reasons for this? How can people research this?

You live in a small apartment building. You are frequently bothered by noise from your upstairs neighbor’s apartment. Write a letter to your neighbor. In your letter: Describe the situation Explain why it is a problem for you Suggest a solution.