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

#credit #card #people #debts #cards
Nowadays anyone
Accept comma addition
Nowadays, anyone
 with a decent
credit
 score can get a
credit
card
.
Credit
 cards increase the purchasing power of people and improve their living standards. Unfortunately, if the cards are not used with care, they will land the holder in serious debts. In my opinion,
credit
 cards have both advantages and disadvantages. People can benefit from their
credit
card
 in several ways. It gives them immediate access to
credit
. It helps in emergency situations or when they want to buy something expensive. One of my friends,
for example
, paid for his thyroid surgery using his
credit
card
. Some
credit
card
 companies
also
 offer zero percent interest
rates
Suggestion
rate
 on home appliances. Using
this
 option middle and lower income families can buy washing machines or refrigerators on easy monthly
installments
a payment of part of a debt; usually paid at regular intervals
instalments
.
Thus
credit
 cards improve their lifestyle.
Credit
 cards
also
 eliminate the need to carry cash in one’s wallet. On the flip side,
credit
 cards can push people into serious
debts
Suggestion
debt
 traps. They have destroyed many lives and careers. Cards make people compulsive shoppers. They encourage people to buy all the products in the market even though they do not need them.
This
 temptation to overspend has disastrous consequences.
Credit
 cards are good if you can pay off the entire balance when it is due.
Credit
card
 loans have much higher interest rates than other loans. If you only pay the minimum balance, you will end up paying a lot of interest. What’s more,
credit
card
 transactions carry increased risk of fraud. Someone who knows your
card
 number and other credentials can easily buy stuff using your
card
 without your knowledge or permission. To conclude,
credit
 cards are definitely a beneficial invention, but we need to use them wisely to reap their benefits.
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

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Fully explain your ideas

To get an excellent score in the IELTS Task 2 writing section, one of the easiest and most effective tips is structuring your writing in the most solid format. A great argument essay structure may be divided to four paragraphs, in which comprises of four sentences (excluding the conclusion paragraph, which comprises of three sentences).

For we to consider an essay structure a great one, it should be looking like this:

  • Paragraph 1 - Introduction
    • Sentence 1 - Background statement
    • Sentence 2 - Detailed background statement
    • Sentence 3 - Thesis
    • Sentence 4 - Outline sentence
  • Paragraph 2 - First supporting paragraph
    • Sentence 1 - Topic sentence
    • Sentence 2 - Example
    • Sentence 3 - Discussion
    • Sentence 4 - Conclusion
  • Paragraph 3 - Second supporting paragraph
    • Sentence 1 - Topic sentence
    • Sentence 2 - Example
    • Sentence 3 - Discussion
    • Sentence 4 - Conclusion
  • Paragraph 4 - Conclusion
    • Sentence 1 - Summary
    • Sentence 2 - Restatement of thesis
    • Sentence 3 - Prediction or recommendation

Our recommended essay structure above comprises of fifteen (15) sentences, which will make your essay approximately 250 to 275 words.

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Topic Vocabulary:
  • convenience
  • flexibility
  • financial security
  • unexpected expenses
  • rewards and incentives
  • cashback
  • airline miles
  • impulse buying
  • accumulating debt
  • high interest rates
  • minimum payments
  • credit score
  • borrowing capacity
  • reliance
  • saving habits
  • financial vulnerability
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