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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Debt is something that many individuals hope they will never have to experience in their lifetime,

however

Linking Words

, for the unfortunate few who do encounter

this

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, it is mainly due to their reckless and irresponsible spending. Some argue that

banks

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should be more responsible and check an individual's creditworthiness before issuing them a

credit

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card

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, whilst others feel the opposite. I disagree with

this

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notion, and my reasoning will be substantiated in the course of

this

Linking Words

essay.

First

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and foremost,

credit

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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

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means that they are aware of the terms and conditions provided to them by the bank at the time of applying.

In addition

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this

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, in every

credit

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card

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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

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, I have a friend, who during the month goes crazy with his

credit

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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

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card

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purchases.

However

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, that being said, there are circumstances, when the individual is not at fault.

This

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can be seen in the recent prevailing pandemic, where many people lost their jobs and were unable to make payments against their

credit

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cards. As these are unforeseen situations,

banks

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should step in and assist their customers as a measure of goodwill. In conclusion, even though there may be one-off situations where

banks

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should assist their clients, it is not practical to hold

banks

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liable for the overuse of a customer's

credit

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card

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, as they are fully aware of the responsibilities of holding a

card

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Submitted by Nigelvictorlawrence on Wed Oct 20 2021

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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.

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5
Linking words
meeting the goal of 7 or more
3
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: 8.0

Varied vocabulary

Accurate spelling & word formation

Grammatical Range: 9.0

Mix of complex & simple sentences

Clear and correct grammar

Task Achievement: 6.0

Complete response

6.5

Clear & comprehensive ideas

Relevant & specific examples

Appropriate word count

4 paragraphs

303 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?

Fully explain your ideas

Immigration has a major impact on the society. What are the main reasons of immigration? To what consequences can it lead?

Employers sometimes ask people applying for jobs for personal information, such as their hobbies and interests, and whether they are married or single. Some people say that this information may be relevant and useful. Others disagreee. Discuss both these views and give your own opinion.

Mental health concerns are a growing issue for many people around the world. What are some reasons for poor mental health, and what can governments do to support citizens' mental health?

There is a public park near where you live. You have heard that the local council wants to sell this park. Write a letter to a local newspaper in you letter. Introduce yourself Describe the importance of the park Say what action you will take if the council continues with its plan

Children spend a lot of time watching TV and playing computer game, however it does not help in improving their mental abilities. Do you agree or disagree?