The reason that most people are in debt is the overuse as well as irresponsible use of credit cards. Banks ought to do a background check and only issue credit cards to individuals who have the ability to pay back their debts. What is your opinion?

#reason #people #debt #overuse #credit #cards #banks #background #check #individuals #ability #debts

I agree to the fact that many

credit

card

holders spend extravagantly without realizing the payback terms and conditions. I am going to express my views on how banks can verify one’s capability to repay in the following essay.

Credit

Suggestion

The credit card

card

is a marketing gimmick in

banking sector which

Suggestion

the banking sector, which

the banking sector which

allows you to spend, without having money in your account. They give the leverage to spend up to a certain limit which was fixed while applying for the

credit

card

based on current income. Usually

credit

card

holders spend more than required because they are not spending actual money and the limit is usually 2 to 3 times of their income,

also

, not aware about the payback terms and conditions that they need to pay back the spent money with a pre-defined percentage interest in a pre-defined time. Not doing so will attract penalties and higher

interest of returns

Suggestion

interest returns

However

, bank authorities can make it mandatory to do a proper background check before issuing a

credit

card

. Sales representatives should be penalized if

proper background check

Suggestion

the proper background check

a proper background check

is not done.

Back ground check

Suggestion

A background check

Background check

Background checks

should include the list of existing

credit

cards, their payback payment patterns, current liabilities, the existing

credit

card

spending pattern, source of income.

For example

, banks should not issue

credit

cards to students or fresh professionals as they do not satisfy the basic eligibility criteria’s for holding a

credit

card

. All in all, more and transparent information to

credit

card

seekers and proper verification of eligibility criteria before issuing a

credit

card

will help people use the

credit

card

efficiently and to clear the debts in time.

Submitted by sudeep on Sat Aug 17 2019

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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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3Linking words
meeting the goal of 7 or more
2Word repetition
meeting the goal of 3 or fewer
5Grammar mistakes
 

4 paragraphs

268 words

0123456789.0505

Overall Band Score

Coherence and Cohesion: 4.0

Logical structure

Introduction & conclusion present

Supported main points

Accurate linking words

Variety in linking words

Lexical resource: 5.0

Varied vocabulary

Accurate spelling & word formation

Grammatical Range: 5.0

Mix of complex & simple sentences

Clear and correct grammar

Task Achievement: 5.0

Complete response

Clear & comprehensive ideas

Relevant & specific examples

Appropriate word count

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The reason that most people are in debt is the overuse as well as irresponsible use of credit cards. Banks ought to do a background check and only issue credit cards to individuals who have the ability to pay back their debts. What is your opinion?

Fully explain your ideas

Essentional vocabulary list for IELTS Writing 7+

Some people think the government should not spend on international aid because there are disadvantaged people in their countries, such as the unemployed and homeless. To what extent do you agree or disagree?

More and more people are suffering from health problems caused by a modern lifestyle which cannot be treated with modern medicines. Some people think that a return to traditional medicine should be encouraged. To what extent do you agree?

In many countries children are engaged in sorne kind of paid work. Sorne people regard this as complete/y wrong, while others consider it as valuable work experience, important for learning and taking responsibility. Discuss both these views and give your own opinion.

100.In many countries, the traditional family structure is changing, and an increasing number of children are being raised by single parents or by grandparents. Discuss the possible reasons for this trends and its potential consequences in society.