Nowadays it is easy to apply for and be given a credit card. However, some people experience problems when they are not be able to pay their debts back. In your opinion, do the advantages of credit cards outweigh the disadvantages?

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It is sometimes argued that getting a

credit

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card

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too soon can give us more advantages than the drawback in term of the payment problem. In my opinion, it would definitely make the matters worse if we can easily access a

credit

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card

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. There are several benefits of

credit

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card

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financial.

Firstly

Linking Words

, we do not have to carry around the cash and you can buy anything at the moment without a concerning the amount of money, which is very convenient because we can just only keep the

card

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in your pocket.

Secondly

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, the

credit

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card

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provides you with a bonus point to redeem the goods in every purchase. For

this

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reason, many people can get free items without buying them.

Finally

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, additional discounts were usually offered when you use a

credit

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card

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. So that, we can get a cheaper price while using it.

However

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, the drawbacks of

this

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over-convenience are in form of consequences.

Firstly

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, the

credit

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card

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can let us build extra expense by buying things without planning, which

this

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issue can lead to the

second

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consequence, the huge amounts of interest to pay. The interest rate of the

credit

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card

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is high in common and

this

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can be a serious problem when we can not pay the interest on time.

Finally

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, the debt can be contributed by the various source of interests and it becomes eventually unable to pay in the future. In conclusion, I can understand why some people might still prefer to use a

credit

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card

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, but it seems to me that the disadvantages of a

credit

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card

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far outweigh the advantages in the long term.

Submitted by tonydude1999 on Mon Jun 28 2021

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Support ideas with relevant, specific examples

Examples make your writing easier to understand by illustrating points more effectively.

Examples, if used properly, not only help you get higher marks for ‘Task Response’ but also for ‘Coherence’.

When giving examples it is best to put them after your main idea or topic sentence. They can be used in the middle of supporting sentences or they can be used to start a new sentence. There is no rule for where exactly to give examples in essays, logically they would come after your main idea/topic sentence or just after a supporting sentence.

Linking words for giving examples:

for example
for instance
to illustrate this
to give a clear example
such as
namely
to illustrate
take, for example

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6
Linking words
meeting the goal of 7 or more
2
Word repetition
meeting the goal of 3 or fewer
0
Grammar mistakes
detected issues

0123456789.0505

Overall Band Score

Coherence and Cohesion: 6.0

Logical structure

Introduction & conclusion present

Supported main points

Accurate linking words

Variety in linking words

Lexical resource: 6.0

Varied vocabulary

Accurate spelling & word formation

Grammatical Range: 9.0

Mix of complex & simple sentences

Clear and correct grammar

Task Achievement: 6.0

Complete response

7.5

Clear & comprehensive ideas

Relevant & specific examples

Appropriate word count

4 paragraphs

270 words

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Topic Vocabulary:

convenience
flexibility
financial security
unexpected expenses
rewards and incentives
cashback
airline miles
impulse buying
accumulating debt
high interest rates
minimum payments
credit score
borrowing capacity
reliance
saving habits
financial vulnerability

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Nowadays it is easy to apply for and be given a credit card. However, some people experience problems when they are not be able to pay their debts back. In your opinion, do the advantages of credit cards outweigh the disadvantages?

Support ideas with relevant, specific examples

Some people feel that cities should allow for spaces for graffiti while others feel it should be banned. Discuss both sides and give your own opinion.

Some people say that advertising is extremely successful at persuading us to buy things. Other people think that advertising is so common that we no longer pay attention to it. Discuss both these views and give your own opinions.

Some people think that parents should teach children how to be good members of society. Others, however, believe that school is the place to learn this. Discuss both these views and give your own opinion.

The world today is a safer place and governments should stop spending large amounts of money on their armed forces. To what extend do you agree or disagree with this statement?

Social media has completely changed the way family and friends communicate with each other. What ore the reasons for this? Is this a positive or negative development?