«Many people are using credit cards or loans to run up huge personal debts that they may be unable to repay. It should therefore be made more difficult for individuals to borrow large amounts of money.What is your opinion?»

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Many
people
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, especially young
people
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who have recently started their
first
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job, are now falling victim to bankruptcy. The main reason for
this
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is the easy availability of
credit
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cards and
loans
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from various banks with high
credit
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limits, which are better
thantheir
Correct your spelling
than their
than theirs
usual monthly salaries. The existing rules regarding
credit
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card or loan sanctions are so broad that even a person with a mediocre salary can borrow a huge amount of cash that they can hardly pay off.
However
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, some
people
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usually take on huge
loans
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because of the serious difficulties they face,
such
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as paying for a hospital operation for a seriously ill family member, which is very expensive and most middle-class
people
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cannot afford it.
Thus
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, using the existing loan authorization rules, you can get enough money to save your family member. Not only in the case of medical bills, but
also
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in other situations,
such
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as paying for college tuition or starting a business of your dreams.
Consequently
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, the difficulty of lending huge amounts of cash can be a curse for some
people
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who are desperate for a financial position. In conclusion, in my opinion,
although
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the easy availability of large
loans
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and
credit
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cards can have both benefits and drawbacks, there is a need to make changes in the methods of lending
loans
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,
that is
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, the reason for the loan should be considered and it should be eliminated. is carefully assessed before it is authorized.
Submitted by Ielts Calisma on

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Structure your answers in logical paragraphs

The easiest way to score well on the IELTS Task 2 writing portion is to structure your writing in a solid essay format.

A strong argument essay structure can be split up into 4 paragraphs, each containing 4 sentences (except the conclusion paragraph, which only contains 3 sentences).

Stick to this essay structure:

  • Paragraph 1 - Introduction
  • Paragraph 2 - First supporting paragraph
  • Paragraph 3 - Second supporting paragraph
  • Paragraph 4 - Conclusion

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