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

The usage of

credit

cards in a reckless manner and

also

exploiting it to a larger extent are the causes of the majority of the population facing a situation near bankruptcy.I believe in order to prevent these circumstances banks should perform screening before providing the facility of the card to know about the condition of the being in terms of economic settlements if they are capable enough to pay off the used money.

This

essay with elaborate on the stated viewpoint with appropriate reasons.

Firstly

, a desire for a luxurious life is a dream of every human being and, to accomplish that there should be an extra disposable income.

Nevertheless

credit

cards can be extremely helpful in emergency conditions, many individuals,

however

, go the extra mile in spending for desires.

For example

, one of my friends has an iPhone 11-pro bought less than a year before and with the launch of the iPhone-12, he ordered it via

credit

card even though his monthly income is less than the price of the gadget.

Secondly

, banks merely issue

credit

cards without anything as a mortgage or legal agreement. In

this

regard, the customer is not so worried about the repayments and,

thus

neglects to return the money on time causing him to get into more and more debt.

For instance

, a bank provides a

credit

card to an employer against an employment letter or salary slip,

as a result

, there is no affirmation of time till the person is in that job. In conclusion, these financial institutions should properly check if the person has the potential to repay the amount else there could be a delay in payment,

thus

creating trouble for the money lender as well as immature clients.

Submitted by sandysarai on Mon Apr 18 2022

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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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10Linking words
meeting the goal of 7 or more
1Word repetition
meeting the goal of 3 or fewer
0Grammar mistakes
 

4 paragraphs

288 words

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: 7.0

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

Some people think that men are naturally more competitive than women. To what extent do you agree or disagree?

It is common aspiration among many young peopleto run their own business, rather than work for an employer. Do you think the advantages of working for yourself outweigh the drawbacks?

Some students prefer to take a gap year between high school and university, to work or travel. Do the advantages outweigh the disadvantages?

Some people say that supermarkets and manufacturers have a responsibility to reduce the amount of packaging on products they sell. Others believe that it is the consumer’s responsibility to avoid buying products which have a lot of packaging. Discuss both views and give your opinion.

The increase in the production of consumer goods results in damage to the natural environment. What are the causes of this? What can be done to solve this problem?