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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?

#reason #people #debt #overuse #credit #cards #banks #background #check #individuals #ability #debts
The revolution of financial intermediaries, especially banks have made it easier for people that need funding to borrow. In recent years, banks have become essential units of the any financial system all over the world. Many borrowers rely largely on taking loans, credit cards and other financial products to finance their needs. Credit cards are mainly used in daily purchasing transactions, because of its convenience and speed.
In addition
, it does not charge high fees, due to the dependency on technological devices,
such
 as internet banking.
On the other hand
, these creative products and services offered by banks represent a new challenge. Despite of its positive points, it has many drawbacks.
For example
, people will find it easy to purchase many products using the credit card not the physical cash.
Moreover
, banks may need a modern tool to discover the ability and the willingness of borrowers to pay their due payments. In my point of view, credit cards are good enough for people that will use them carefully and when they indeed need them. As a conclusion, being a bank is not enough without a deeper research to know your clients and to provide the suitable services they need.

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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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