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

In my opinion, blaming

careless use

Suggestion

the careless use

of credit cards as the sole basis of huge loans is completely preposterous. There are several factors like student debt and lack of financial education in schools that are a major contributing cause to the above issues.

This

essay will discuss why loans have become

such

a debatable topic.

Firstly

, education borrowings from financial institutions is one of the primary reasons for the huge mess

Accept space

For example

, with ever increasing university fees about half of the students are in debt.

Secondly

, schools do not teach students on how to manage money and various aspects related to it.

As a result

, children when turn into adults have no clue

Suggestion

about

investing and planning for

there

of them or themselves

their

future monetary needs.

However

, credit cards do play a small role in the current situation. As people have unlimited access of money with just a swipe.

Furthermore

, consumers start buying things which

are not required

Suggestion

don't require

do not require

them.

For instance

, according to a recent survey about 60% of citizens buy things on which they actually never use. The situation is alarming in nature and will lead to multiple problems for banks as well as the government. In conclusion, we are heading towards a bubble which can burst anytime soon. The government should not only conduct free classes on how to handle

money but

Accept comma addition

money, but

also

talk to various universities to review their tuition fees. Focusing on just reducing credit bills and introducing background verification will not solve the problem at hand as the other areas need to be understood and handled as well.

Submitted by MS on Wed Sep 18 2019

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10Linking words
meeting the goal of 7 or more
0Word repetition
meeting the goal of 3 or fewer
6Grammar mistakes
 

4 paragraphs

261 words

0123456789.0505

Overall Band Score

Coherence and Cohesion: 9.0

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: 8.0

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?

Essentional vocabulary list for IELTS Writing 7+

Millions of people move to English speaking countries such as Australia, Britain or America to study at school, college or university. Why do so many people want to study in English? Why is English such an important international language? Give reasons for your answers

Some people say that the only reason for learning foreign language is in order to travel to or work in a foreign country. Others say that these are not the only reasons why someone should learn foreign language. Discuss both sides and give your own opinion.

Rich countries often give money to poorer countries, but it does not solve poverty. Therefore, developed countries should give other types of help to the poor countries rather than financial aid. To what extent do you agree or disagree?

The death penalty is the best way to control and reduce serious crime. To what extent do you agree?

Some people prefer to spend most of their time with friends. Other people prefer to be alone most of the time. Which way of life do you prefer? Use specific reasons to support your answer.