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Writing Samples
Band 8.5

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

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Nowadays, technologies are developing very rapidly and one of these inventions is cashless payment, after
this
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 the number of people who use a
credit
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card
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 to do monthly acquisition is growing every day.
However
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, people to become use
this
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credit
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card
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 for anything what they want. Despite the disadvantage, I strongly think that advantages of
credit
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card
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 outweigh the disadvantages.
First
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 of all, the big advantage of using a
credit
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card
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 is that you don't have to take cash when you leave home.
Therefore
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, it is simple to take
credit
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card
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 and go shopping without abundant amount of
money
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 in your wallet.
In other words
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, a person cannot take a lot of
money
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 in the wallet, and with
credit
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card
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 a person can take any amount
money
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.
For example
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: when person buys an expensive car, he cannot pay with cash, because it is a plenty of
money
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 its weighs a lot and size is big.
Hence
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, the cashless payment is best. On the other hands, cashless payment has high risk, it is cyber attacks. It means that, if bank has glitches in its security system, hackers can use these glitches for creating backdoors and stealing
money
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.
Likewise
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,
this
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 type of stealing is very popular due to every system has its own wholes.
For instance
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: in the bank one of the large Switzerland’s banks was hacker attack and stole millions of dollars from population.
Thus
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,
credit
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 cards have their disadvantages, but they not very valuable than advantages. To conclude, I think
credit
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 cards are future and without
this
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 invention the modern life would be very difficult.

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Topic Vocabulary:
  • Cashless transactions
  • Financial footprint
  • Interest rates
  • Credit score
  • Consumerism
  • Debt accumulation
  • Expenditure tracking
  • Fraudulent activities
  • Overspending
  • Purchase protection
  • Revolving credit
  • Creditworthiness
  • Impulse buying
  • Secured credit card
  • Unsecured credit card
  • Spending limit
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