IELTS Writing Correction Service
Writing Samples
Band 8

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

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In recent years, the trend of using
credit
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cards
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 for even the simplest of transactions, is gaining momentum.
However
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, along with the benefits,
such
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 practice brings several demerits
such
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 as fraud.
Therefore
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, in my opinion, the cons of
this
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 definitely outweigh the pros. To commence with, the primary drawback of paying the bills using plastic
cards
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 is the high risk of forgery. Technological advancements have made the imitation of legal documents easy and effortless.
As a result
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, tricksters smoothly manipulate people and use their
cards
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 for selfish motives.
Moreover
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, they easily dig out confidential details from the customers. And people being ignorant about the repercussions provide the information to the fraudsters.
For instance
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, records suggest that around 43% of
credit
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 card users are bluffed with fake calls.
Thus
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,
credit
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cards
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 prove to be risky for the ones who lack expertise in utilizing them. Another point
that is
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 to be considered is that the availability of
credit
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cards
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 makes a person unconscious about their expenditure. People tend to spend money uncontrollably.
Additionally
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, ungoverned access to
credit
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cards
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 may even ramify to loss of emergency funds and future savings.
On the contrary
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,
credit
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cards
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 provide their consumers with the merit of relaxation from getting robbed since there is no cash being carried and the payment is directly made from the bank account. In conclusion,
although
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 plastic
cards
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 are beneficial for cashless transactions, they may have adverse effects if not used effectively.
Therefore
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, before using any bank card, the terms and conditions must be properly read.

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