People today increasingly use credit cards to make monthly purchases. Do the advantages of this outweigh the disadvantages?

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Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

cards are considered as plastic money to replace the original cash in some critical situations. In
this
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

modernised world, predominantly their
usage
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

has been increasing drastically by society for paying their monthly expenses because of its merits.
This
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

essay would discuss the outweighed advantages over disadvantages with relevant examples. The effective
usage
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

of
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Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

card
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

brings in a certain kind of discipline to the individual. A little more in detail,
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Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

card
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

payment gives an additional benefit of using the amount from the bank without interest for a maximum of 50 days.
Consequently
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

, to utilise
this
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

benefit, people adopt to proper
time
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

management by paying their bills on
time
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

.
For instance
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

, the
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Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

score of citizens is increasing in the recent past years by 17% as per the RBI statistics because of timely payments.
In addition
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

,
this
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

avoids hard cash
usage
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

,
consequently
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

, drives the nation towards the digitalization. To be more precise, every transaction done by the
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Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

card
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

becomes a taxable amount and counted as a white transaction.
For instance
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

, the governments are pushing the citizens towards the digitalization by decreasing the interest rates of banks.
On the other hand
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

, untimely payments make an individual fall under defaulters by the banks. There is a certain
time
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

period provided by the bank for each individual based on their transaction dates. People have to abide by that and payback to the banks on
time
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

.
For example
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

, there are 13% of the overall
credit
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

cardholders are blacklisted as defaulters by the banks in the
last
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

year.
In addition
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

, over
usage
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

of money beyond their limits is another criteria, pushing the individuals to avoid the payback to banks. To be more precise, people are losing their financial strength and overspending beyond their capabilities.
For example
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

, 8% of the
credit
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

card
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

holders are declared as bankruptcy every year against
this
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

reason. To conclude, the majority of the people across the world are using
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Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

cards for their monthly expenses. While there are ignorable disadvantages of
credit
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

cards, the advantages outweigh the disadvantages if every individual is committed and accountable while using the
credit
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

cards.

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Your opinion

Don’t put your opinion unless you are asked to give it.

If the question asks what you think, you MUST give your opinion to get a good score.

Don’t leave your opinion until the conclusion.

Here are examples of instructions that require you to give your opinion:

...do you agree or disagree?...do you think...?...your opinion...?

Discover more tips in The Ultimate Guide to Get a Target Band Score of 7+ »— a book that's free for 🚀 Premium users.

Topic Vocabulary:
  • Cashless transactions
  • Financial footprint
  • Interest rates
  • Credit score
  • Consumerism
  • Debt accumulation
  • Expenditure tracking
  • Fraudulent activities
  • Overspending
  • Purchase protection
  • Revolving credit
  • Creditworthiness
  • Impulse buying
  • Secured credit card
  • Unsecured credit card
  • Spending limit
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