The reason that most individuals are in debt is due to the overuse and irresponsible use of credit cards. Banks should not issue credit cards unless they are completely sure of an individual’s ability to pay back their debts. To what extent do you agree with this?

#reason #individuals #debt #overuse #credit #cards #banks #individual’s #ability #debts

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Nowadays, it is undeniable that

credit

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cards

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are a useful thing in our life.

Credit

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cards

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help people’s life easier when they spend.

However

Linking Words

, if someone does not estimate themself while spending via

cards

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and

also

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lack responsibility, there are some disadvantages if they use it in the wrong way. Currently, there are many methods to pay,

for example

Linking Words

, cash, debit

cards

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, mobile banking, or

credit

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cards

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. But, a

credit

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card is the only type that customers are not necessary to pay when they buy at that moment because of its ability that can pay for customers in advance.

Moreover

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, people not only need to have many

cards

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in their wallets but

also

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they do not necessary to pay by cash in the cashless society and the spread of coronavirus these days.

Nevertheless

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, numerous advantages of

credit

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cards

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also

Linking Words

have many disadvantages. Most individuals do not consider their income and overspend when they purchase. To illustrate, some people who possess

credit

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cards

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swipe their

credit

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cards

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around 50-60 per cent of their salary.

Also

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, some types of customers do not care about the responsibility and they are thoughtless when paying

credit

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card bills on time.

This

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inappropriate action brings about a huge debt that they are not able to pay off.

Moreover

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, too much debt is related to the individual’s credibility and reliability in the future. To conclude, I agree that banks should elaborately check each individual account and history of use

cards

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Besides

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, banks should

also

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thoroughly tell a regulation before issue

credit

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cards

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This

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is to say that a

credit

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card has both positive and negative ways if they misuse it.

Submitted by milkyway on Sun Sep 19 2021

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Your opinion

Don’t put your opinion unless you are asked to give it.

If the question asks what you think, you MUST give your opinion to get a good score.

Don’t leave your opinion until the conclusion.

Here are examples of instructions that require you to give your opinion:

...do you agree or disagree?...do you think...?...your opinion...?

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7
Linking words
meeting the goal of 7 or more
2
Word repetition
meeting the goal of 3 or fewer
0
Grammar mistakes
detected issues

0123456789.0505

Overall Band Score

Coherence and Cohesion: 6.0

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: 9.0

Mix of complex & simple sentences

Clear and correct grammar

Task Achievement: 7.0

Complete response

Clear & comprehensive ideas

Relevant & specific examples

Appropriate word count

4 paragraphs

273 words

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The reason that most individuals are in debt is due to the overuse and irresponsible use of credit cards. Banks should not issue credit cards unless they are completely sure of an individual’s ability to pay back their debts. To what extent do you agree with this?

Your opinion

In many countries, smoking is now illegal in public places. Many people believe that such a ban is justified. Do you agree or disagree?

Many governments have laws that ban the sale and use of hard drugs such as heroin and cocaine, yet they allow people to buy drugs such as tobacco and alcohol. Laws that prohibit the sale and use of hard drugs should be applied to all drugs, including tobacco and alcohol. What is your opinion?

Many cities are now turning parks and farmland into new housing developments

A person’s worth nowadays seems to be judged according to social status and material possessions. Old-fashioned values, such as honour, kindness and trust, no longer seem important. Give reasons for your answer and include any relevant examples from your own knowledge or experience.