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

#people #credit #cards #purchases #outweigh

Over the past few decades, we have familiarized ourselves with the use of

credit

facilities offered by various financial institutions. Advance

payment

methods

such

credit

cards provide

Correct article usage

apply

show examples

great convenience in our daily life. While some

people

argue that these facilities have certain drawbacks, I strongly believe that the merits surpass the demerits of using

this

payment

method.

To begin

with, the main advantage of using

credit

payment

is that one no longer needs to carry an excessive amount of cash to purchase anything. The technology used by financial institutions for

such

services has made it

Correct article usage

a more

show examples

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

, All transactions by card can be monitored by the authorities which enables them to avoid tax fraud,

On the other hand

, cash

payment

is difficult to trace.

Furthermore

, another major advantage of using

this

service is that it provides loans to

people

who can invest

for

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show examples

the future. It facilitates the middle-class society with the affordability 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

, In a city like Mumbai, the average price of a decent apartment is very high,

credit

payments have enabled

people

to buy a house, whereas savings would require more than 20 years for the same.

Besides

this

, it provides a good source of funds for investment purposes. In Conclusion, Though there are some disadvantages like overspending and liability burden.

People

should use these services wisely and whenever necessary.

Hence

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show examples

completely agree that

credit

facilities are greatly beneficial to humankind since it enables

people

to invest for higher returns as well as helps them to save some money for the future.

Submitted by roshan.rebello22 on Tue Aug 17 2021

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9Linking words
meeting the goal of 7 or more
3Word repetition
meeting the goal of 3 or fewer
4Grammar mistakes
 

4 paragraphs

311 words

0123456789.0505

Overall Band Score

Coherence and Cohesion: 7.0

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: 6.0

Mix of complex & simple sentences

Clear and correct grammar

Task Achievement: 9.0

Complete response

Clear & comprehensive ideas

Relevant & specific examples

Appropriate word count

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

Essentional vocabulary list for IELTS Writing 7+

Title :Many manufactured food and drink products contain high levels of sugars which causes many health problems. Sugary products should be made more expensive to encourage people to consume less sugar. Do you agree or disagree?

Some education systems make students focus on certain subjects at the age of 15, whileothers require students to study a wide range of subjects until they leave school. What are the benefits of each system? Which is better?

Some people think that tourists should follow the traditional customs of the host country. Do you agree or disagree?

In your opinion how can government of each country eradicate or lessen the crimes committed by their own people use specific reasons and details to support your answer.

In many countries, more and more people choose to buy imported food rather than food produced locally. Why people buy imported food? What could be done to encourage people to buy local food?