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Band 7

Nowadays it is easy to apply for and be given a credit card. However, some people experience problems when they are not be able to pay their debts back. In your opinion, do the advantages of credit cards outweigh the disadvantages

#credit #card #people #debts #cards
In recent years,
credit
 cards have become popular payment methods. In fact, applying and getting approved for a
credit
 card has been easier,
thus
 people can have some upfront funds to buy stuff.
However
, the ease of borrowing cash may lead to the fact that many are over-purchasing and not able to pay for the
credit
 that they made. I believe that
although
credit
 cards affect some people, their positive outcomes may worth considering. Some people argue that the major disadvantages of
credit
 cards are they made several people living in debt.
For instance
, consumers may be approved for many accounts that they can buy things worth months of their income in a short amount of time. There are many cases, in which account holders could not be able to pay back all the fund on time and were charged extra interest fees.
Moreover
, the buying and paying activities may be repeated and borrowers may never pay all the money borrowed, which leads to significant monthly bills.
However
,
credit
 cards do not only help buyers to purchase goods with money they do not own yet but
also
 allow those with good
credit
 scores to access to loans for their life-time purchases
such
 as cars or houses.
For example
, people often do not have enough cash to payout for their dream place.
Thus
, with a high
credit
 score, they may be approved for a low-interest mortgage, which allows them to own a house while paying for it in years. In general, careful users who manage their buying behaviour well will get many advantages from using those accounts for a long time. To conclude, owning
credit
 lines may have both advantages and disadvantages depends on how the borrowers use theirs. In my opinion, the positive outcomes may be greater than the downsides because they help people to build wealth in the long run.
Submitted by jeannguyen.ca on

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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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Essentional vocabulary list for IELTS Writing 7+

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Topic Vocabulary:
  • convenience
  • flexibility
  • financial security
  • unexpected expenses
  • rewards and incentives
  • cashback
  • airline miles
  • impulse buying
  • accumulating debt
  • high interest rates
  • minimum payments
  • credit score
  • borrowing capacity
  • reliance
  • saving habits
  • financial vulnerability
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