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Band 6

The reason that most individuals are in debt is due to the overuse and irresponsible use of credit cards. Banks should not issue credit cards unless they are completely sure of an individual’s ability to pay back their debts. To what extent do you agree with this?

#reason #individuals #debt #overuse #credit #cards #banks #individual’s #ability #debts
Negligent
use
 of
credit
 cards can cause debts. Thereby, I agree that banks should check the financial strength and the repaying capacity of a person before offering them electronic
card
 facility.
This
 essay will discuss how an inappropriate usage of plastic
card
 will put an individual at a financial risk. Irresponsible
use
 of
credit
 cards can push anyone into the
debt
 trap. Still, the demand for
credit
 cards continues to increase. People consider
credit
 cards as a means to improve lifestyles. They borrow more money than they should as the
credit
 cards are easy to
use
 and readily acceptable in so many places. Unfortunately, some people cannot pay back the debts and get into huge financial trouble. Banks usually won’t issue
credit
 cards if they are not completely satisfied with the finances of the
customer
. They always check the
credit
 history and financial situation of the
customer
 and
also
 explain the burdensome consequences that can happen to the
customer
 if they
use
 the
card
 irresponsibly. Still, many people
use
 the
card
 carelessly and get into permanent
debt
. So it is unfair to blame the bank alone for the
credit
card
 holder’s mistakes. Another factor that we need to acknowledge is the unpredictable nature of a person’s financial situation. People can fall ill or lose their job. Both of these are situations that can considerably affect a person’s ability to repay his
debt
. In most cases
such
 situations cannot be predicted and are not in the control of either the bank or the
customer
. To conclude, it is important for the banks to verify the
customer
’s ability to pay back debts before giving them
credit
 cards. Customers
also
 have a responsibility to control their spending habits to protect themselves from
debt
.

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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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