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The reason that most individuals are in debt is due to the overuse and irresponsible use of credit cards. Banks should not issue credit cards unless they are completely sure of an individual’s ability to pay back their debts. To what extent do you agree with this?

#reason #individuals #debt #overuse #credit #cards #banks #individual’s #ability #debts
The invention of
credit
 card and internet banking has created many benefits for
customers
 with fast transactions at any time in recent years.
However
, some people think that banks need to ensure the ability to pay back the debts of
customers
 before giving them permission to use the bank service in order to reduce the overdue payments. In my opinion, I partly agree with
this
 statement and I shall put forth some ideas to demonstrate my view in the following paragraphs. On the one hand, It is true that some groups of youngster have become debtors because of the easy access to
credit
 loan from many banks. With the popularity of online shopping, youngsters or housewives are able to purchase many essential goods for their life.
However
, the overwhelming advertisings have encouraged people to consume various unwanted items which lead to the overuse of their
credit
 cards. Eventually, it is the responsibility of the bankers to ensure these clients can return money to the bank.
Moreover
, detailed information on monthly income, property and past overdue debt history should be examined thoroughly by the bank officers.
On the other hand
, these banking services are crucial to boost the economy and consumption as people are able to buy and consume more.
For example
, tourists tend to spend more by using their cards when travelling abroad as it is not convenient to bring cash, which is beneficial for the countries they travel
.
Change preposition
to.
show examples
Additionally
, banks often want their clients to spend more so they can have more money back from the high interest of loans.
As a result
,
this
 explains why the procedures of opening
credit
 card accounts are often fast and easy for most
the
Correct article usage
apply
show examples
customers
. While I believe that it is the role of bankers to ensure the possibility of returning debts of clients, restrictions on the use of
credit
 cards to
customers
 are not a smart option.
Submitted by npanhtuan09 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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