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Band 5

People today increasingly use credit cards to make monthly purchases. Do the advantages of this outweigh the disadvantages?

#people #credit #cards #purchases #outweigh
Nowadays, the number of
people
 who use
credit
cards
 to buy products rises a lot. It is usual to observe that almost every adult has at least one
credit
 card. There are several pros and cons
of
Change preposition
to
show examples
 using
credit
cards
.
First
 of all, with
credit
cards
,
people
 can buy many goods that they desire.
This
 means that they can borrow some money to pay for the stuff
first
 and pay the bill in the future.
Moreover
, since most of the
cards
 have
bonus
Add an article
a bonus
show examples
 feedback system,
people
 can acquire
2
Correct article usage
a 2
show examples
% of
bonus
Correct article usage
the bonus
show examples
 from the bank.
However
, some
people
 may not aware of the period to pay the bill. Under
this
 circumstance, they would be punished by the bank and need to pay more
next
 month with
19
Correct article usage
a 19
show examples
% interest rate. As long as
ones
Correct your spelling
one
show examples
 indulge in
this
 routine, it is hard for
people
 to get out of
this
high interest
Add a hyphen
high-interest
show examples
 rate and would create more debt in the future.
In addition
, because the inflation rate keeps increasing, the value of
same
Correct article usage
the same
show examples
fiet
Correct your spelling
fiat
feet
 money will become less in the future.
Therefore
, buying products with
credit
cards
 actually is a wise shopping method. For me, the value of 100 dollars now is more valuable than the value of 100 dollars after one month.
However
, there is an
exception
Replace the word
exceptional
show examples
 country, Japan. Japan is the only
coutry
Correct your spelling
country
 in the world that always suffering deflation, so I recommend that
Japanese
Correct article usage
the Japanese
show examples
 should shop
by
Change preposition
in
show examples
 cash.
Last
 but not least,
in
Change preposition
apply
show examples
many countries, they use the
credit
 point system to calculate citizens'
credit
 and banks would issue loans according to customers'
credit
 points. Specifically, owning a
credit
 card can add
credit
 points to
people
. Undoubtedly, we all need
credit
 points to help lower our loans. To sum up,
although
 there are several downwards of having
credit
cards
, I think the merits outweigh the demerits. Without owning them, we would lose many things.
Submitted by vivian.88610 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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Essentional vocabulary list for IELTS Writing 7+

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Topic Vocabulary:
  • Cashless transactions
  • Financial footprint
  • Interest rates
  • Credit score
  • Consumerism
  • Debt accumulation
  • Expenditure tracking
  • Fraudulent activities
  • Overspending
  • Purchase protection
  • Revolving credit
  • Creditworthiness
  • Impulse buying
  • Secured credit card
  • Unsecured credit card
  • Spending limit
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