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Writing Samples
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
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Nowadays, using
credit
 cards is one of the most popular payment methods all over the world.
However
, debt is becoming considerably common because of the fact that
people
 frequently overspend their money, as well as fail to pay it off in time. I strongly agree that banks should elaborately check every individual’s credibility and reliability before issuing a
credit
 card. Some reasons for that will be introduced in
this
 essay.
Firstly
, the convenience of swiping a
credit
 card makes purchases easier in today’s world. In
this
 case, young
people
 are more likely to overuse money by consuming different products.
For example
, some
people
 like to buy top brands of clothes which are significantly expensive without considering their prices.
Therefore
, it is essential for banks to assess
people
’s buying behaviour to estimate the opportunity of being in debt.
Secondly
, an increasing number of
people
 are not able to estimate their ability to pay off
credit
 cards due to the rise
of
Change preposition
in
show examples
 the cost of living, which results in debt that will happen in everyone’s life much easier than before.
For instance
, most individuals need to spend on education, housing, utilities, food and entertainment on a monthly basis, and a large segment of these activities can be paid for by
credit
 cards. To conclude, for these two reasons I mentioned above, I totally agree that banks should develop adequate assessment policies and set a maximin limit of the amount of money
people
 can borrow precisely to calculate the individual’s ability to pay before issuing a
credit
 card.
Submitted by wingyee.yongyi.lu 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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