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

Credit

cards

has been

Suggestion

have been

had been

a significant part in today's society. Previously, to be able to attain a

credit

card

would be a

milestone but

Accept comma addition

milestone, but

these days, getting one would be a normality of life. Whether banks should conduct

further

checks before issuing

credit

cards has been a huge debate.

Overusing

Suggestion

Over using

credit

card

, has been a major problem in the upcoming generation. With an ability to attain a

credit

card

easily, and younger generations not understanding the importance of money tend not to

pioritise

assign a priority to

prioritize

their funds.

Majoritly

Suggestion

The majority

Majority

of younger generations tend to live pay-check to pay-check

Accept space

moreover to

Accept comma addition

moreover, to

satisfy their cravings their tend to use their

credit

cards on impulse not realising the debt that would be affecting them.

Credit

card

companies have

also

tied up with many departmental stores and shops to create promotions

such

as interest free payments, frequent flyer points and many lucky draw promotions.

This

draws a higher usage of

credit

cards.

Credit

cards have given a false sense of assurance to many, thinking that

this

would be money they have. Without a

dount

the state of being unsure of something

doubt

credit

cards are just a quick form of loan with exorbitant interest rates. I completely agree with the statement that, banks should conduct more

condusive

tending to bring about; being partly responsible for

conducive

credit

checks on each application and create stricter restrictions on the application process. Following that banks should

also

conduct

compulsary

required by rule

compulsory

online education courses for younger applicants to provide them the relevant understanding towards proper money management.

Submitted by Hareshpal Singh Sandhu on Tue Jun 09 2020

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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

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5Linking words
meeting the goal of 7 or more
2Word repetition
meeting the goal of 3 or fewer
10Grammar mistakes
 

6 paragraphs

240 words

<4

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: 4.0

Varied vocabulary

Accurate spelling & word formation

Grammatical Range: 4.0

Mix of complex & simple sentences

Clear and correct grammar

Task Achievement: 4.0

Complete response

Clear & comprehensive ideas

Relevant & specific examples

Appropriate word count

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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?

Fully explain your ideas

Essentional vocabulary list for IELTS Writing 7+

Many countries spend a lot of money in art. Some people think investment in art is necessary, but others say money is better spent on improving health and education. Discuss both arguments and give your opinion

In a number of countries, some people think it is necessary to spend large sum of money on constructing new railway lines for veey fast trains between cities. Other believes the money should be spent on improving existing public transport. Discuss both views and give your opinion

Some children spend hours every day on their smartphones. Why is this the case? Is it a positive or negative trend?

You should spend about 40 minutes on this task. Some educationalists say that every child should be taught how to play a musical instrument. To what extent do you agree or disagree? You should write at least 250 words.

Write about the following topic. The internet has vastly increased our access to information. To what extent do you think this is a good thing? Give reasons for your answer and include any relevant examples from your own knowledge or experience. You should spend about 40 minutes on this task.