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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
During the past decade or two, there has been a rapid increase in the usage of
credit
cards
.
However
, unfortunately, not all the card owners are clearing the
debt
.
This
 essay completely agrees with the statement that
banks
 need to do stringent checks before issuing the
credit
cards
.
This
 essay asserts the opinion stated using two reasons
first
, customer spending money lavishly, and
second
,
banks
 not doing relevant background checks before issuing the
cards
.
To begin
 with, cardholders spending money extravagantly could always be a threat to pay post-paid card bills.
For example
, if an employee buys a very costly car than a normal car, in a desire to lead life comfortably that could be a possible reason to not pay the
debt
 in time. Here, it is understood that employee in rush to lead life conveniently, is trying to spend recklessly by buying a car whose price is exorbitant. If people think pragmatically, these things can be avoided and there will be fewer
debts
. Moving on to the
second
 reason where user
debts
 can be reduced is, by doing strict and relevant checks of user-profiles for whom the
cards
 are to be issued.
For instance
,
banks
 usually offer
credit
cards
 based on the employee's payslip or salary, but the risk here is if the person loses his job the
debt
 remains in the backlog. If
banks
 form more stringent rules like agreeing to some legal conditions in case
debt
 is not paid, people will become more serious and tend to pay bills. To conclude, the excessive usage of
credit
cards
 leads to
debts
 in
banks
.
Therefore
, it is obvious that there is a need to clear these
debts
. Upon thorough analysis on
this
 subject, it can be said that
this
 scenario can be avoided by customers spending frugally and
banks
 inspecting user-profiles and establishing rigid rules.
Submitted by avskkrish80 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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