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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?

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It is true to say that, nowadays
people
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 increasingly use
credit
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 cards to make monthly purchases. Because it is an easier
way
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 to get
money
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. While there are serious negative consequences of
this
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 development, I would argue that the advantages outweigh the disadvantages. From the
way
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 of my thinking, these benefits are twofold. On the one hand, a
credit
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 card can make an easy
way
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 for
people
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 to get
money
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. Because individuals can begin their businesses with it.
Moreover
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, they can get the important things in their life. Everyone does not have enough
money
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to begin
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 their businesses.
However
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, they have interests and capabilities for doing some kind of job. From the
way
Use synonyms
 of my thinking, I believe that they should use convenience. Because it can help
people
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 for growing their life. I believe that everyone thinks like me.
On the other hand
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, despite
such
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 grave benefits, there are not insurmountable and must be considered against the disadvantages of
credit
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 cards.
For instance
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, if individuals meet with failure they cannot bring the
money
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 to the bank. It is harmful to both them and the company. Even it makes
people
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 arrested. It is the most sorrowful consequence of
this
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 situation. Because it is a violation of the law.
Way
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 of my conclusion, I reiterate my position that using
credit
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 cards to make monthly purchases has both benefits and drawbacks.
However
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, I personally believe that the advantages of
this
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 situation are greater than the disadvantages, serious though these are.

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Word Count

IELTS says that you should write a minimum of 250 words in writing task 2. If you go under word count you will lose marks in task response.

A very long essay will not give you a higher band score.

Aim for between 260 to 290 words in writing task 2. This will ensure a concise essay and will be realistic in terms of time management. You have only 40 minutes to write the essay and you need around 10 minutes of planning time, so you will not be able to write a long essay in 30 minutes.

Discover more tips in The Ultimate Guide to Get a Target Band Score of 7+ »— a book that's free for 🚀 Premium users.

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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