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Band 6.5

The reason that most individuals are in debit is due to the overuse as well as 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 debits. To what extent do you agree with this?

#reason #individuals #debit #overuse #credit #cards #banks #ability #debits
The majority of the population is suffering from debt because they do not save
money
 and spend their
money
 irresponsibly with
credit
cards
.
Although
 some think that banks should not allow individuals who have no ability to pay back their debts to own
credit
cards
, others do not agree with
this
 topic. In
this
 essay, I will elaborate on both sides and give my opinion at the end. To start with, having no
credit
cards
 will keep our society safer.
For example
, we hear news about
people
 who attempted suicide because they are not confident to pay back a large sum of funds.
Also
, criminals murder the rich to steal luxurious goods so they can resolve their debts. If
credit
cards
 are not given by financial organizations,
people
 will be prevented from being in serious debt,
hence
,
this
 may result in reduced crime or suicidal rates, forming a better world to live in.
On the other hand
, banks should provide
credit
cards
 to everyone even though some have low credibility.
This
 is because some of them might need
money
 urgently.
For instance
, they may need
money
 to feed their children, or else they will have dangerous health issues.
In addition
, the
people
 who are not able to earn sufficiently to pay back their debts might have no choice but to use
credit
cards
.
Thus
,
credit
cards
 should be issued to
everbody
Correct your spelling
everybody
, regardless of their
credit
 scores. In my opinion, while there is a benefit of financial establishments not allowing some to own
credit
cards
, some desperate
people
 should be allowed to have them so they can sustain their living.
Submitted by ktchien104 on

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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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