Nowadays it is easy to apply for and get a credit card. However, some people experience problems when they are not able to pay their debts back. In your opinion, do the advantages of credit cards outweigh the disadvantages?

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Online payment systems

such

Linking Words

credit

Use synonyms

cards

Use synonyms

have become much more affordable these days, but debts are still one of the daunting difficulties for people despite the cutting-edge technology.

This

Linking Words

essay will argue that the drawbacks of using

credit

Use synonyms

cards

Use synonyms

far outweigh the benefits. The biggest advantage of

credit

Use synonyms

cards

Use synonyms

, in my view, is the ability to pay online immediately.

In other words

Linking Words

, with money on the card,it is a matter of time to purchase goods and services whenever needed without leaving a house.

For instance

Linking Words

, clothes, which are produced in Europe or China, are available on websites

such

Linking Words

as Aliexpress and can be bought in one

second

Linking Words

online.

As a result

Linking Words

credit

Use synonyms

cards

Use synonyms

save time and are extremely convenient to use.

Commission

Use synonyms

, I would argue, is the key benefit.

That is

Linking Words

to say in order to transport any amount of money or withdraw cash owners of the card are obliged to pay a

commission

Use synonyms

fee. Users of CenterCredit which is one of the major banks in Kazakhstan,

for example

Linking Words

, gave to pay to five per cent

commission

Use synonyms

on the amount of the goods.

This

Linking Words

indicates a problem since for many people the quantity is much higher than appropriate, which is why a number of unpaid debts are caused. In conclusion, while

credit

Use synonyms

cards

Use synonyms

are vital in terms of accessibility and the economy of hours, people experience considerably more issues due to a necessity to pay the bank back by

commission

Use synonyms

. As

such

Linking Words

, I would maintain that the benefits of payment

cards

Use synonyms

are far outweighed by the drawbacks.

dianaSat Nov 19 2022

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Your opinion

Don’t put your opinion unless you are asked to give it.

If the question asks what you think, you MUST give your opinion to get a good score.

Don’t leave your opinion until the conclusion.

Here are examples of instructions that require you to give your opinion:

...do you agree or disagree?...do you think...?...your opinion...?

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8
Linking words
meeting the goal of 7 or more
3
Word repetition
meeting the goal of 3 or fewer
0
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: 8.0

Varied vocabulary

Accurate spelling & word formation

Grammatical Range: 9.0

Mix of complex & simple sentences

Clear and correct grammar

Task Achievement: 5.0

Complete response

Clear & comprehensive ideas

Relevant & specific examples

Appropriate word count

4 paragraphs

258 words

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Topic Vocabulary:

convenience
flexibility
financial security
unexpected expenses
rewards and incentives
cashback
airline miles
impulse buying
accumulating debt
high interest rates
minimum payments
credit score
borrowing capacity
reliance
saving habits
financial vulnerability

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Nowadays it is easy to apply for and get a credit card. However, some people experience problems when they are not able to pay their debts back. In your opinion, do the advantages of credit cards outweigh the disadvantages?

Your opinion

Some people say education is the only critical factor in the development of a country. To what extent do you agree or disagree with this statement?

It has been said that reading for pleasure is better in developing imagination and language skills than watching T.V. To what extent do you agree or disagree?

People say it is the responsibility of the residents to keep the environment clean and tidy while others think it is the government's responsibility. Discuss both views and give your opinion.

Many people today are worried about the large quantities of waste produced by ordinary households. What problems are caused by household waste, and what solutions may be possible in both the short and the long term?

A healthy person is often described as someone who has a good diet, gets plenty of exercise and avoids stress. What should people do to stay healthy in your country? Give reasons for your answer and include any relevant examples from your own knowledge or experience.