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

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

Change preposition

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 Sat Apr 23 2022

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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

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7Linking words
meeting the goal of 7 or more
2Word repetition
meeting the goal of 3 or fewer
1Grammar mistakes
 

4 paragraphs

255 words

0123456789.0505

Overall Band Score

Coherence and Cohesion: 9.0

Logical structure

Introduction & conclusion present

Supported main points

Accurate linking words

Variety in linking words

Lexical resource: 7.0

Varied vocabulary

Accurate spelling & word formation

Grammatical Range: 8.0

Mix of complex & simple sentences

Clear and correct grammar

Task Achievement: 6.5

Complete response

6.5

Clear & comprehensive ideas

Relevant & specific examples

Appropriate word count

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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

Essentional vocabulary list for IELTS Writing 7+

Some experts believe that it is better for children to begin learning a foreign language at primary school rather than secondary school, Do the advantages of this outweight disadvantages.

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In a number of countries, some people think it is necessary to spend large sum of money on constructing new railway lines for very fast trains between cities. Others believe the money should spent on improving existing public transport. Discuss both these views and give your own opinion.