The reason that most people are in debt is the overuse as well as irresponsible use of credit cards. Banks ought to do a background check and only issue credit cards to individuals who have the ability to pay back their debts. What is your opinion?

In the present age, society is dealing with a serious issue. More and more people tend to use their
credit
cards
irresonsibly
Correct your spelling
irresponsibly
. Part of the population
share
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shares
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the opinion, that banks should provide
credit
cards
only to those, who are able to pay off their debts. Personally, I am in favour of
this
point of view, and in the following essay, I would like to describe why.
First
and foremost, I believe, that
an
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apply
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overuse of
credit
cards
can be seen mostly among
less
Correct article usage
the less
show examples
educated part of the population. In my point of
view
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,view
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financial education should be mandatory at all elementary schools. It has been proven by a recent survey among US
citizians
Correct your spelling
citizens
, that over 40% of the population do not know the basics of using
credit
cards
responsibely
Correct your spelling
responsibly
.
Moreover
, these people are not aware of the debt trap,
that
Correct pronoun usage
which
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is almost impossible to avoid in some cases. The solution is easy. Banks should not be allowed to issue
credit
cards
to those, who are not able to pay off the money on time. In the Czech Republic,
for example
, it is impossible to get a
credit
card while you work for the lowest salary.
That is
how the banks secure themselves.
On the other hand
, in the United
States
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,States
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it is common to have several
credit
cards
that are issued without
backround
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background
check
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checks
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of an individual. In the light of
above
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the above
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factors, I believe, that
this
issue can be solved by financial education of the society and mandatory
backround
Correct your spelling
background
check of a person who wants to get a
credit
card issued.
Submitted by kmiksikova on

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Include an introduction and conclusion

A conclusion is essential for IELTS writing task 2. It is more important than most people realise. You will be penalised for missing a conclusion in your IELTS essay.

The easiest paragraph to write in an essay is the conclusion paragraph. This is because the paragraph mostly contains information that has already been presented in the essay – it is just the repetition of some information written in the introduction paragraph and supporting paragraphs.

The conclusion paragraph only has 3 sentences:

  • Summary
  • Restatement of thesis
  • Prediction or recommendation

Example:

To summarize, a robotic teacher does not have the necessary disciple to properly give instructions to students and actually works to retard the ability of a student to comprehend new lessons. Therefore, it is clear that the idea of running a classroom completely by a machine cannot be supported. After thorough analysis on this subject, it is predicted that the adverse effects of the debate over technology-driven teaching will always be greater than the positive effects, and because of this, classroom teachers will never be substituted for technology.

Start your conclusion with a linking phrase. Here are some examples:

  • In conclusion
  • To conclude
  • To summarize
  • Finally
  • In a nutshell
  • In general

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