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

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Support ideas with relevant, specific examples

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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

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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

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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 debts. To what extent do you agree with this?

Support ideas with relevant, specific examples

Essentional vocabulary list for IELTS Writing 7+

It is now possible for scientists and tourists to travel to remote natural environments, such as the South pole. Do the advantages of this development outweigh the disadvantages?

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A lot of places in the world rely on tourism as a main source of income. Unfortunately, tourism can also be a source of problems if it is not managed correctly. Discuss the advantages and disadvantages of this fact.

Some people think that parents should teach their children how to be good members of society. Others, however, believe that school is the best place to learn this. Discuss both views and give your own opinion.

Despite health warnings, a large number of people continue to smoke all over the world. Why should we be concerned about this? What solutions would you suggest?