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

Live

today

and pay tomorrow has become the mantra for most millennials. I strongly agree that plastic money and its over-selling to impressionable youth, without proper monitoring of

credit

history and repayment capacity

Add the comma(s)

show examples

has contributed to most individuals heading towards a financially insecure future. My essay will highlight two major points that will support my hypothesis,

firstly

why the younger generation

today

is misusing banking facilities and

secondly

, how the banks are furthering their cause by taking undue advantage of the situation. We are living in stressful times where the shiny new toy

today

is old news tomorrow. The generation

today

has been habituated to get their needs met instantaneously. Take

for example

if they want to eat a Tiramisu; they know a simple click on their smartphones will get them what they desire. Ostentatious displays are enabled by social media and they have us craving for more just as we scroll down our newsfeed. A magical card answers all your problems with a single swipe motion, for the youth of

today

this

is what dreams are made of; pay later yet enjoy the fruits

today

On the other hand

, the banks are business houses who hear the cash register ringing when another individual

defaults

Change the verb form

default

show examples

payment for the

second

month in the row. Banks need to have more stringent controls and background checks in place before approving a

credit

card application. Unfortunately, rather than regulating their processes

Add a comma

show examples

these financial institutions are ready to bump up your limit or offer you a

credit

card at the

call. I would like to summarize by saying that both individuals and banks need to be more responsible when handling

credit

facilities, the

recession is never too far along. I

thus

agree in entirety with the statement.

Submitted by Vasundra on Wed Sep 23 2020

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Fully explain your ideas

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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

Our recommended essay structure above comprises of fifteen (15) sentences, which will make your essay approximately 250 to 275 words.

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8Linking words
meeting the goal of 7 or more
2Word repetition
meeting the goal of 3 or fewer
3Grammar mistakes
 

4 paragraphs

294 words

0123456789.0505

Overall Band Score

Coherence and Cohesion: 6.0

Logical structure

Introduction & conclusion present

Supported main points

Accurate linking words

Variety in linking words

Lexical resource: 6.0

Varied vocabulary

Accurate spelling & word formation

Grammatical Range: 6.0

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+

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

The qualities that help people reach success in modern life cannot be learned in university or other academic institutions. To what extent do you agree or disagree with this statement?

When it comes to language education, there are differing opinions. Some believe that small class sizes are ideal for language learning, while others contend that the number of students does not impact the learning experience significantly. Discuss both views and give your own opinion.

There is an increasing trend around the world of married couples deciding not to have children. Discuss the advantages and disadvantages for couples who decide to do this.

in the future all cars, buses and trucks will be driverless. The only people traveling inside these vehicles will be the passengers. Do you think the advantages of driverless vehicles outweigh the disadvantages?