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Band 7.5

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
Debt is something that many individuals hope they will never have to experience in their lifetime,
however
, for the unfortunate few who do encounter
this
, it is mainly due to their reckless and irresponsible spending. Some argue that
banks
 should be more responsible and check an individual's creditworthiness before issuing them a
credit
card
, whilst others feel the opposite. I disagree with
this
 notion, and my reasoning will be substantiated in the course of
this
 essay.
First
 and foremost,
credit
 cards are issued to people who already have a bank account, which means that they have attained the age, at which they are considered adults.
This
 means that they are aware of the terms and conditions provided to them by the bank at the time of applying.
In addition
 to
this
, in every
credit
card
 set-up kit, there is a list of instructions regarding the paying back of the funds, so a potential customer cannot claim ignorance.
For example
, I have a friend, who during the month goes crazy with his
credit
 cards, buying clothes, alcohol, eating dinners at restaurants etc, and at the end of the month complains when the bank sends his reminders to make payments against his
credit
card
 purchases.
However
, that being said, there are circumstances, when the individual is not at fault.
This
 can be seen in the recent prevailing pandemic, where many people lost their jobs and were unable to make payments against their
credit
 cards. As these are unforeseen situations,
banks
 should step in and assist their customers as a measure of goodwill. In conclusion, even though there may be one-off situations where
banks
 should assist their clients, it is not practical to hold
banks
 liable for the overuse of a customer's
credit
card
, as they are fully aware of the responsibilities of holding a
card
.
Submitted by Nigelvictorlawrence on

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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.

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