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Writing Samples
Band 6.5

In many countries it is very easy to apply for and be given credit card. However, this causes some people to have problems with debts they can't pay back. Do the advantages outweigh the disadvantages.

#countries #credit #card #people #debts
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In most geographical regions, folks request and use
bank
cards
 and are debited regularly.
Although
 it has helped in enhancing convenience and reducing the workload of
bank
 staff, it increases criminal activities and poor budgeting for the
users
.
This
 essay will elaborate on the above-listed points and proffer my opinion as to why the demerits of
this
 development outweigh its benefits.
To begin
 with, one of the significant merits is convenience.
Users
 of these
cards
 make transactions for any purchase without visiting the
bank
. To illustrate, statistics have shown that 90% of travellers do not commute with much cash since they can withdraw or pay for any product they purchase with their credit
cards
.
In addition
, it reduces the workload of bankers, most
bank
users
 with debit
cards
 do not visit the
bank
 to withdraw directly from their account,
therefore
, it reduces the number of customers they attend to on a daily basis so they experience little stress at work.
Consequently
, the major deficit includes ameliorating the rate of criminal activities and lack of proper budgeting. When the
card
 is stolen or misplaced, hackers use it to steal from the owner by leveraging the details written on the
card
 to gain access to the account through the internet.
Furthermore
,
card
users
 spend extravagantly because they are not restricted from making transactions, they tend to buy any attractive dress, shoes and hair extensions without putting their account balance into consideration. To illustrate, an interview on famous blog websites, explained that
the
Change the article
a
show examples
 large number of people spend things they do not need through
card
 transactions. Conclusively, in spite of its importance in saving time and reducing stress for bankers, its drawbacks in increasing crimes and overspending can not be neglected.
Submitted by agozie2018 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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Topic Vocabulary:
  • Credit history
  • High-interest debt
  • Consumer protection
  • Responsible usage
  • Rewards programs
  • Credit score
  • Bankruptcy
  • Compulsive buying behavior
  • Culture of debt
  • Financial irresponsibility
  • Enhanced security features
  • Fraud protection
  • Instant access to funds
  • Unmanageable debt
  • Overall wellbeing
What to do next:
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