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 Thu Jul 04 2019

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4Linking words
meeting the goal of 7 or more
2Word repetition
meeting the goal of 3 or fewer
4Grammar mistakes
 

4 paragraphs

290 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: 6.0

Varied vocabulary

Accurate spelling & word formation

Grammatical Range: 6.0

Mix of complex & simple sentences

Clear and correct grammar

Task Achievement: 5.0

Complete response

6.5

Clear & comprehensive ideas

Relevant & specific examples

Appropriate word count

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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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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?

Fully explain your ideas

Essentional vocabulary list for IELTS Writing 7+

Some people think that the best way to reduce crime is to give longer prison sentences. Others, however, believe there are better alternative ways of reducing crimes. Discuss both views and give your opinion.

Some people believe that it is better for children to grow up in the countryside, while others argue that living in cities is more beneficial. Discuss both views and give your opinion.

Studies have shown that most criminals have low levels of education. Because of this many believe that the best way to reduce crime is to educate prisoners so they can get a job after being released. To what extent do you agree or disagree?

Some people think that the modern communication technology is having a negative effect on social relationships. Do you agree or disagree?

Some people say that now is the best time in history to be living. What is your opinion about this? What other time in history would be interesting to live in?