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Writing Samples
Band 7

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

#people #credit #cards #purchases #outweigh
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All around global technological advancements have left no stone unturned. The introduction of plastic money for online transactions has made life easier than ever before.
However
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, few
people
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 believe that there are certain drawbacks to using
credit
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cards
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 for transactions.
This
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 essay would discuss the advantages and disadvantages of
credit
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cards
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 followed by a reasonable conclusion. In the present era,
people
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 are burdened by the responsibilities of work and home that they do not get enough time for shopping every other week. E-commerce has made it convenient for shoppers to purchase products online from the comfort of their homes.
Furthermore
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,
credit
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cards
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 are used for payment of taxes and other legal fees through Government websites which are safe and convenient. Many banks have introduced international
credit
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cards
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 which help travellers enjoy their visits abroad without worrying about the physical currency at hand.
For example
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, ICICI bank has branches worldwide and their international
cards
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 could be used in any country irrespective of acceptable currency, the bank would debit the balance in your account at the prevailing rate of that currency. Despite the advantages, there are a few disadvantages to using
credit
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cards
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 as well. With the increasing crimes around the globe, many instances of hacking around the world have been reported due to online transactions. Many bogus call centres have been set up which try to convince
people
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 to share their personal details by offering them attractive offers.
However
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, Cybercrime units have been set up in various countries to protect the interest of current and prospective users of plastic money. To conclude,
Credit
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cards
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 have opened a world of new possibilities. It helps
people
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 in saving time and makes it convenient to fulfil their responsibilities without having to go out.
Therefore
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, from the above discussion, it is clear that the use of
credit
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cards
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 has more advantages than disadvantages
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To get an excellent score in the IELTS Task 2 writing section, one of the easiest and most effective tips is structuring your writing in the most solid format. A great argument essay structure may be divided to four paragraphs, in which comprises of four sentences (excluding the conclusion paragraph, which comprises of three sentences).

For we to consider an essay structure a great one, it should be looking like this:

  • Paragraph 1 - Introduction
    • Sentence 1 - Background statement
    • Sentence 2 - Detailed background statement
    • Sentence 3 - Thesis
    • Sentence 4 - Outline sentence
  • Paragraph 2 - First supporting paragraph
    • Sentence 1 - Topic sentence
    • Sentence 2 - Example
    • Sentence 3 - Discussion
    • Sentence 4 - Conclusion
  • Paragraph 3 - Second supporting paragraph
    • Sentence 1 - Topic sentence
    • Sentence 2 - Example
    • Sentence 3 - Discussion
    • Sentence 4 - Conclusion
  • Paragraph 4 - Conclusion
    • Sentence 1 - Summary
    • Sentence 2 - Restatement of thesis
    • Sentence 3 - Prediction or recommendation

Our recommended essay structure above comprises of fifteen (15) sentences, which will make your essay approximately 250 to 275 words.

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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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