In many countries it is very easy to apply for and be given a credit card. However, this causes some people to have problems with debts they cannot pay back. Do you think the advantages of credit cards outweigh the disadvantages?

#countries #credit #card #people #debts #cards

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These days, applying for a

credit

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card

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is very straightforward. In fact, most people use their cards for most of their spending, especially online purchases. There are several risk factors to consider when getting finance;

however

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, I believe the advantages outweigh any possible risks.

This

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essay outlines how the advantages of having a

credit

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card

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outweigh the disadvantages.

Firstly

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, there are some things people must be wary of when using a

card

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to borrow money.

While

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it is tempting to spend large amounts on frivolous items,

one

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must remember that the money must be paid back on time, or the interest rates will cost a fortune.

For example

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one

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might spend several thousand dollars on a new phone or computer, but interest rates can add hundreds more to the bill over time.

Whatsmore

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What's more

, some finance companies charge unscrupulous fees and interest rates, which trap unsuspecting victims into debt traps.

This

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can even lead to bankruptcy. Another thing to consider is the potential for theft, scams and fraud.

For

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this

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reason,

one

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card

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and details must be kept safe and secure at all times!

While

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such

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perils must be considered, there are

also

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many benefits to having a

credit

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card

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For instance

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one

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can easily make online purchases from sellers worldwide, and when you are shopping in the real world, you can simply tap and go.

Additionally

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, you can use your

card

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to pay for emergency expenses and pay them off in future.

Whatsmore

Correct your spelling

What's more

, most major lending companies have insurance to protect you from scammers and fraud. So

while

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there are many risks, these benefits certainly make life much easier. In conclusion, though the risks are rather dire, they can be mitigated with some budgeting skills and financial education. Undeniably, the advantages we gain from having access to

credit

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facilities outweigh the disadvantages, so with a little foresight and education, we can all enjoy the convenience minus the risk.

Submitted by Oakes_amy on Sun Aug 07 2022

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task response

Task Response: The essay provides a clear opinion on the topic and discusses both advantages and disadvantages of credit cards. However, the introduction could be stronger and the conclusion could be more impactful.

coherence and cohesion

Coherence and Cohesion: The essay demonstrates a logical structure and presents supported main points. However, the introduction and conclusion could be more cohesive by clearly signaling the main ideas and summarizing the key points.

10
Linking words
meeting the goal of 7 or more
3
Word repetition
meeting the goal of 3 or fewer
2
Grammar mistakes
detected issues

0123456789.0505

Overall Band Score

Coherence and Cohesion: 5.0

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: 7.0

Mix of complex & simple sentences

Clear and correct grammar

Task Achievement: 6.0

Complete response

Clear & comprehensive ideas

Relevant & specific examples

Appropriate word count

4 paragraphs

318 words

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In many countries it is very easy to apply for and be given a credit card. However, this causes some people to have problems with debts they cannot pay back. Do you think the advantages of credit cards outweigh the disadvantages?

today many people work until a later age. do the advantages of this outweigh the disadvantages?

In the future all cars, buses and trucks will be driverless. The only people travelling inside these vehicles will be passengers. Do you think the advantages of driverless vehicles outweigh the disadvantages?

Nowadays in many countries, women have full-time jobs. Therefore, it is logical to share household tasks evenly between men and women. To what extent do you agree or disagree with this statement?

Some countries pay high salaries to its employees. It is argued that countries must not do it and impose limits on salaries. Do you agree or disagree ?