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Band 6.5

Today credit cards are easy to get in many countries, but some people who use them struggle to pay their debt. Do the advantages outweigh the disadvantages?

#credit #cards #countries #people #struggle #debt
These days,
credit
card
, which is generally considered to be convenient to get almost all over the world, leads to some complications among individuals because of paying the debt.
Although
 there are certain benefits associated with the usage of
credit
card
, the disadvantages seem to outweigh the advantages in
this
 case. To initiate the advantages of having a
credit
card
. The
first
 and foremost is the withdrawal of
money
 in emergency cases. To explain, when a person does not have enough cash or saving to cover any cost, they can withdraw a large amount of
money
 because the amount can be paid laterally in the limited
time
 period
that is
 not possible while using a debit
card
. To cite an example, the major emergencies
such
 as buying car or house, as well as taking health treatment, doing occasional shopping, and travelling, which is generally considered to have high spending of
money
, can be deal while paying through
credit
card
. Despite the benefits, using a
credit
card
 has drawbacks too. The primary one is a high-interest rate. To elaborate, if a person withdraws a large amount of
money
 and do not return the
money
 on
time
, they can have to pay a heavy interest because the returning
money
 to the bank is must on fixed
time
 for a candidate who is using a
credit
 a
card
.
For instance
, the /a person who has withdrawn
money
 through a
credit
card
first
 of the January and the returning
time
 is
first
 February, but he has forgotten to payback has to give interest to the /a bank. In conclusion,
although
 using a
credit
card
 can be helpful for withdrawing
money
 during the emergence, it seems to be more disadvantageous because of heavy rates in terms of interest.
Submitted by arah.kaka011 on

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To get an excellent score in the IELTS Task 2 writing section, one of the easiest and most effective tips is structuring your writing in the most solid format. A great argument essay structure may be divided to four paragraphs, in which comprises of four sentences (excluding the conclusion paragraph, which comprises of three sentences).

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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Topic Vocabulary:
  • credit history
  • financial flexibility
  • emergencies
  • cashback
  • travel points
  • discounts
  • budget management
  • interest rates
  • fees
  • debt
  • credit scores
  • loans
  • mortgages
  • impulsive spending
  • financial difficulties
  • penalties
  • financial strain
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