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?

#reason #people #debt #overuse #credit #cards #banks #background #check #individuals #ability #debts

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

Change the verb form

show examples

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

Remove the article

apply

show examples

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

Add a comma

,view

show examples

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

show examples

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

Add a comma

,States

show examples

it is common to have several

credit

cards

that are issued without

backround

Correct your spelling

background

check

Fix the agreement mistake

checks

show examples

of an individual. In the light of

above

Correct article usage

the above

show examples

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 Tue Sep 07 2021

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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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Essentional vocabulary list for IELTS Writing 7+

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6Linking words
meeting the goal of 7 or more
2Word repetition
meeting the goal of 3 or fewer
13Grammar mistakes
 

4 paragraphs

263 words

0123456789.0505

Overall Band Score

Coherence and Cohesion: 4.0

Logical structure

Introduction & conclusion present

Supported main points

Accurate linking words

Variety in linking words

Lexical resource: 4.0

Varied vocabulary

Accurate spelling & word formation

Grammatical Range: 4.0

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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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?

Include an introduction and conclusion

Essentional vocabulary list for IELTS Writing 7+

Some people think that success in life comes from hard work and determination, while others think that there are more important factors such as money and appearance. Dicuss both views and give your opinion

Some people say History is one of the most important school subjects.Other people think that, in today’s world, subjects like Science and Technology are more important than History. Discuss both these views and give your own opinion.

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