IELTS Writing Correction Service
Writing Samples
Band 6

People today increasingly use credit cards to make monthly purchases. Do the advantages of this outweigh the disadvantages?

#people #credit #cards #purchases #outweigh
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Over the past few decades, we have familiarized
ourseleves
Correct your spelling
ourselves
 with the use of
credit
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 facilities offered by
the
Correct article usage
apply
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various financial institutions. Advance
payment
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 methods
such
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 as
the
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apply
show examples
credit
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 card provide
great
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a great
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 convenience in our daily life. While some
people
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 argue that these facilities have certain drawbacks,
i
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I
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 strongly believe that the merits surpass the demerits of using
this
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payment
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 method.
To begin
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 with, the main advantage of using
credit
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payment
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 is that one no longer needs to carry
excessive
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an excessive
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 amount of cash to purchase anything. The technology used by financial institutions for
such
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 services
have
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has
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 made more secure and safer way to process our transactions. Cashless transaction is very beneficial for the nation as it lowers the rate for any chance of corruption.
For example
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, All transactions by
cards
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card
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 can be
monitered
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monitored
 by the authorities which enables them to avoid tax fraud,
On the other
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hand
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,hand
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 cash
payment
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 is difficult to trace.
Futhermore
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Furthermore
, another major advantage of using
this
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 service is that it provides loans to
people
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 who can invest for the future. It facilitates the middle-class society with
affordability
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the affordability
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 to buy a house or a car. With the property rates soaring high each year, it is extremely difficult to purchase a house based on savings.
For Instance
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, In a city like Mumbai, the average price of a decent apartment is very high,
credit
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 payments have enabled
people
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 to buy a house, whereas savings would require more than 20 years for the same.
Besides
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this
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, it provides a good source of funds for investment purposes. In Conclusion, Though there are some disadvantages like overspending and liability burden.
People
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 should use these services wisely and whenever necessary.
Hence
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,
i
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I
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 completely agree that
credit
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 facilities are greatly beneficial to humankind since it enables
people
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 to invest for higher returns as well as helps them to save some money for the future.
Submitted by roshan.rebello22 on

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Topic Vocabulary:
  • Cashless transactions
  • Financial footprint
  • Interest rates
  • Credit score
  • Consumerism
  • Debt accumulation
  • Expenditure tracking
  • Fraudulent activities
  • Overspending
  • Purchase protection
  • Revolving credit
  • Creditworthiness
  • Impulse buying
  • Secured credit card
  • Unsecured credit card
  • Spending limit
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