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

✨ Do you want to improve your IELTS writing?

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 Thu Jun 03 2021

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Fully explain your ideas

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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7
Linking words
meeting the goal of 7 or more
2
Word repetition
meeting the goal of 3 or fewer
2
Grammar mistakes
detected issues

0123456789.0505

Overall Band Score

Coherence and Cohesion: 4.0

Logical structure

Introduction & conclusion present

Supported main points

Accurate linking words

Variety in linking words

Lexical resource: 7.0

Varied vocabulary

Accurate spelling & word formation

Grammatical Range: 7.0

Mix of complex & simple sentences

Clear and correct grammar

Task Achievement: 6.0

Complete response

6.5

Clear & comprehensive ideas

Relevant & specific examples

Appropriate word count

4 paragraphs

316 words

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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?

Fully explain your ideas

People in many countries are spending more and more time away from their families. Why is this happening? How does this affect people and their families? Give reasons for your answer and include any relevant examples from your knowledge or experience.

Research shows that overeating can be just as harmful as smoking. Thus the advertising of certain food products should be banned, as cigar is banned in many countries. Do you agree or disagree?

More and more wild animals are on the verge of extinction and others are on the endangered list. What are the causes. What can be done to solve this problem

Differences between countries become less evident each year. Nowadays, all over the world people share the same advertising, brands, eating habits and TV channels. Do the advantages outweigh the disadvantages of these fashions?

your friend is taking an exam and has asked to you help him/her with studying because he/she knows that you usually do well. write a letter to your friend. In your letter * Tell him /her how you study *Give him /her on advice about the week before the exam. * Explain what to do on the day

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