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

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It is hard to deny that

credit

cards find their way into our lives nowadays and we rely on them heavily as they are quite convenient to use.

However

, some claim that there is a risk of not being able to pay back, simply because of the easiness to loan money from them. As far as I am concerned,

this

statement suffers from logical and factual issues, and I hardly agree with that.

To begin

with, quite often the maximum amount of funds available for a

credit

card matches the financial status of its holder. When applying for a product in the bank,

people

are asked to provide several personal information, including salaries and assets owned. With that being mentioned, quite possibly the

credit

limit is set at a level that one can maintain the balance without having difficulties.

As a result

, it is unlikely for

people

to spend that much within one single billing cycle. Apart from that, in today's society,

people

are more educated and are more aware of managing personal assets. Most

people

are more conscious of financial management in recent years so

that

Correct word choice

apply

show examples

they would avoid any unnecessary shopping.

This

actually helps prevent

Correct pronoun usage

them from

show examples

from

Change preposition

apply

show examples

spending the amount that exceeds their affordability.

Hence

, from the aspect of mindset, being not able to pay back is less likely to happen. In conclusion, it is understandable that many

ones

Correct pronoun usage

apply

show examples

have a concern about the way

credit

cards work, especially how

simple

Change the word

simply

show examples

we could use money from them.

Nevertheless

, due to the aforementioned reasoning, I do not agree that those disadvantages are that significant to be worried about.

Submitted by rlu3 on Tue Dec 13 2022

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Answer the 'Problem and Solution' topic

Problem-and-solution essays fall naturally into two parts, the first describing and exploring the problem, the second setting out the solution or solutions.

You essay structure should look something like this:

Introduction
Body paragraph 1 – Problems
Body paragraph 2 – Solutions
Conclusion

Examples to start your body paragraph:

One of the first problems of the...
Another problem that needs to be considered...
A possible solution to this problem would be...
One immediate practical solution is to...

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6
Linking words
meeting the goal of 7 or more
2
Word repetition
meeting the goal of 3 or fewer
5
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: 5.0

Varied vocabulary

Accurate spelling & word formation

Grammatical Range: 5.0

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

268 words

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

Answer the 'Problem and Solution' topic

In spite of the advances made in agriculture, many people around the world still go hungry. Why is this the case? What can be done about this problem?

A friend has written to you asking for advice about a problem at work. You have had a similar problem in the past Write a reply to your friend. In your letter: tell your friend you understand the problem explain what happened to you in the past suggest possible solutions to the problem

Essay topics: An Australian friend is coming to visit you, and it will be his/her birthday during the visit. write a letter to your friend In your letter * say how you feel about the visit * suggest what you could do on his/her birthday *try to find out what you friend thinks of your idea

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