IELTS Writing Correction Service /
Writing Samples /
Band 7

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 charge plate irresponsibly. Part of the population shares the opinion, that banks should provide charge plates 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 overuse of plastic money can be seen mostly among the educated part of the population. In my point of view, financial education should be mandatory at all elementary schools. It has been proven by a recent survey among US citizens, that over 40% of the population do not know the basics of using plastic money responsibly.
Moreover
, these people are not aware of the debt trap, which 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, it is common to have several charge plate
that is
 issued without the background checks of an individual. In the light of the above factors, I believe, that
this
 issue can be solved by financial education of the society and mandatory background check of a person who wants to get a credit card issued.  Personally, I am in favour of
this
 point of view, and in the following essay, I would like to describe why.
Submitted by kmiksikova on

Unauthorized use and/or duplication of this material without express and written permission from this site’s author and/or owner is strictly prohibited. Excerpts and links may be used, provided that full and clear credit is given to Writing9 with appropriate and specific direction to the original content.

Fully explain your ideas

To get an excellent score in the IELTS Task 2 writing section, one of the easiest and most effective tips is structuring your writing in the most solid format. A great argument essay structure may be divided to four paragraphs, in which comprises of four sentences (excluding the conclusion paragraph, which comprises of three sentences).

For we to consider an essay structure a great one, it should be looking like this:

  • Paragraph 1 - Introduction
    • Sentence 1 - Background statement
    • Sentence 2 - Detailed background statement
    • Sentence 3 - Thesis
    • Sentence 4 - Outline sentence
  • Paragraph 2 - First supporting paragraph
    • Sentence 1 - Topic sentence
    • Sentence 2 - Example
    • Sentence 3 - Discussion
    • Sentence 4 - Conclusion
  • Paragraph 3 - Second supporting paragraph
    • Sentence 1 - Topic sentence
    • Sentence 2 - Example
    • Sentence 3 - Discussion
    • Sentence 4 - Conclusion
  • Paragraph 4 - Conclusion
    • Sentence 1 - Summary
    • Sentence 2 - Restatement of thesis
    • Sentence 3 - Prediction or recommendation

Our recommended essay structure above comprises of fifteen (15) sentences, which will make your essay approximately 250 to 275 words.

Discover more tips in The Ultimate Guide to Get a Target Band Score of 7+ »— a book that's free for 🚀 Premium users.

What to do next:
Look at other essays: