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 are your opinions on this? Give reasons for your answer and include any relevant example from your knowledge or experience.

#people #credit #cards #loans #debts #individuals #amounts #money

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this

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modern era, there are many options available to pay

bills

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such

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credit

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cards

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and

loans

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. Sometimes

people

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are unable to pay their invoices. So, the government should make strict laws or rules to give

loans

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and

credit

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cards

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to individuals. I personally agree with

this

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statement.

This

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essay will discuss my viewpoints in the following paragraphs.

To begin

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with, there is a number of arguments in

this

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favour.

Firstly

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, many

people

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take a large number of

loans

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without having a solid plan.

As a result

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this

Linking Words

takes into a debt.

For instance

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, a survey conducted by

hnfc

Correct your spelling

NFC

HFC

bank found that 60% of

people

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are in debt because they lost their jobs and have no

second

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option to pay their

bills

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Consequently

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, they are unable to pay their

bills

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and attempt suicide.

Furthermore

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people

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are becoming materialistic. They use

credit

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cards

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to fulfil their materialistic needs and want to make status in society.

For instance

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, one of my friends has a

credit

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card and he uses

this

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card only for purchasing his clothes, shoes and accessories.

Moreover

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, he is unemployed. His parents pay his

bills

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. Sometimes they failed to pay and it makes them in debt. Which is

then

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difficult to pay.

Therefore

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, it is the responsibility of higher authorities to know the purpose of taking

loans

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and make some strict rules to take

loans

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. To conclude, in my opinion,

credit

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cards

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and

loans

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should not be provided to everybody. It should be provided to those who have some sources of income.

Submitted by Rajwinder Kaur on Fri Jul 01 2022

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12
Linking words
meeting the goal of 7 or more
5
Word repetition
meeting the goal of 3 or fewer
1
Grammar mistakes
detected issues

0123456789.0505

Overall Band Score

Coherence and Cohesion: 7.0

Logical structure

Introduction & conclusion present

Supported main points

Accurate linking words

Variety in linking words

Lexical resource: 6.0

Varied vocabulary

Accurate spelling & word formation

Grammatical Range: 8.0

Mix of complex & simple sentences

Clear and correct grammar

Task Achievement: 9.0

Complete response

Clear & comprehensive ideas

Relevant & specific examples

Appropriate word count

4 paragraphs

254 words

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Topic Vocabulary:

financial literacy
credit cards
loans
debts
mental health
well-being
stringent checks
balances
repaying
reckless spending
living beyond one's means
financial destabilization
regulations
cap (verb)
income
financial commitments
mandatory financial education
financial decisions

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In many cities, many people are living in large apartments blocks. Does this accommodation have more advantages than disadvantages.

Some people say that the best way to improve public health is by increasing the number of sports facilities. Others, however, say that this would have little effect on public health and that other measures are required. Discuss both these views and give your own opinion.

Nowadays, more and more children are being brought up in single parent families. What are the causes of this? What effects can be seen as a result of this?

A new sports centre has opened in your area. You want to visit the new sports centre and get some information. Write an letter to your friend to invite him/her.