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Band 6.5

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
Although
credit
 cards are the means to survive in undesired financial situations,
however
, its overuse and capricious handling could lead to rising debts among the people. Despite, of strict rules and regulations which banks adopt, there is a need to push it
further
 and verify if the customer will be able to repay the withdrawals before approving his post-paid cards.
Firstly
, a desire for the luxurious life is a dream of every human being and, and accomplishing that requires an extra disposable income.
Nevertheless
, these cards can be extremely helpful in emergency conditions, many individuals,
however
, go extra miles in spending for desires.
For example
, one of my friends purchased a
smart phone
Correct your spelling
smartphone
show examples
 almost half a year ago, but
also
 went on buying
n
Add an article
a
show examples
ew version of it using
last
 week using
c
Add an article
a
show examples
redit card,
thus
 misusing the earnings.
Secondly
, banks merely issue
credit
 cards without anything as a mortgage or legal agreement. In
this
 regard, the customer is not so worried about the repayments and,
thus
 neglects to return the money on time causing himself to get in more and more debt.
For instance
, a bank provides a
credit
 card to an employer against an employment letter or salary slip,
as a result
, there is no affirmation of time till the person is in that job. In conclusion, these financial institutions should properly check if the person has a potential to repay the amount else there could be the delay of payment,
thus
 creating trouble for the money lender as well as immature clients.
Submitted by Musaib ul hassan on

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Include an introduction and conclusion

A conclusion is essential for IELTS writing task 2. It is more important than most people realise. You will be penalised for missing a conclusion in your IELTS essay.

The easiest paragraph to write in an essay is the conclusion paragraph. This is because the paragraph mostly contains information that has already been presented in the essay – it is just the repetition of some information written in the introduction paragraph and supporting paragraphs.

The conclusion paragraph only has 3 sentences:

  • Summary
  • Restatement of thesis
  • Prediction or recommendation

Example:

To summarize, a robotic teacher does not have the necessary disciple to properly give instructions to students and actually works to retard the ability of a student to comprehend new lessons. Therefore, it is clear that the idea of running a classroom completely by a machine cannot be supported. After thorough analysis on this subject, it is predicted that the adverse effects of the debate over technology-driven teaching will always be greater than the positive effects, and because of this, classroom teachers will never be substituted for technology.

Start your conclusion with a linking phrase. Here are some examples:

  • In conclusion
  • To conclude
  • To summarize
  • Finally
  • In a nutshell
  • In general

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