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?

It is sometimes argued that getting a

credit

card

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

card

. There are several benefits of

credit

card

financial.

Firstly

, 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

in your pocket.

Secondly

, the

credit

card

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

this

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

Finally

, additional discounts were usually offered when you use a

credit

card

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

However

, the drawbacks of

this

over-convenience are in form of consequences.

Firstly

, the

credit

card

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

this

issue can lead to the

second

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

credit

card

is high in common and

this

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

Finally

, 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

card

, but it seems to me that the disadvantages of a

credit

card

far outweigh the advantages in the long term.

Submitted by tonydude1999 on Mon Jun 28 2021

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

4 paragraphs

270 words

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

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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

Parents are putting a lot of pressure on their children to succeed. What are the reasons for this? Is it a positive or negative development? (24/02/2024)

Some people think that the government should invest money in arts and cultural events, while others believe that the government should spend money on more important things. Discuss both views and give your own opinion.

In the future, it is expected that there will be a higher proportion of older people in some countries. Is this positive or negative development?

Topic: Government investment in the arts, such as music and theatre, is a waste of money. Governments must invest this money in public services instead. To what extent do you agree with this statement?

Some modern artists receive huge sums of money for the things they create, while others struggle to survive. Governments should take steps to resolve this unfair situation» To what extent do you agree or disagree?