IELTS Writing Correction Service
Writing Samples
Band 6.5

The reason that most individuals are in debit is due to the overuse as well as irresponsible use of credit cards. Banks should not issue credit cards unless they are completely sure of an individual’s ability to pay back their debits.
To what extent do you agree with this?

#reason #individuals #debit #overuse #credit #cards #banks #individual’s #ability #debits
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There are a number of
people
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 who are trapped in a debit obstacle
due to
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 the over-used of a
credit
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card
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. Many debt cases happen because nowadays
people
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 can obtain
credit
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card
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 facilities more easily compared to
people
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 in the past.
Therefore
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,
banks
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 are supposed to be able to verify the owner of the
credit
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card
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 to be in terms of both their income and outcome. If
banks
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 can be more careful in verifying, these problems will not occur anymore in the future.
Banks
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 definitely have full authority to grant or deny
people
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 who would like to apply for their
credit
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 cards if they do not have sufficient income to pay for their
credit
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 cards. To make it more efficient,
banks
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 can require a certificate of ownership like the house or the car from the
applicants
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 as the guarantee.
Firstly
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,
banks
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 should be able to clarify and identify
credit
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card
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applicants
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 in a proper way. They need to be able to investigate the source of income of the
applicants
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.
This
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 can be done to decide whether the
bank
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 can approve the proposal.
In addition
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,
banks
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also
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 can count the limit that can be offered to the
customers
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.
Therefore
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, the case of failure in return the loan given by the
bank
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 will not happen anymore because of the balance of their salary and expenses.
Secondly
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,
banks
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 should have a guarantee from the
customers
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such
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 as the house or the vehicle certificate. In case the
applicants
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 have no capability to pay for the rest of the tenure, the house or the vehicle can be taken as punishment for the cardholder. It is believed that
this
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 rule can create the discipline behaviour of the loaner to be able to pay for the
credit
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card
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 on time or even before the due date.
To sum up
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, both
banks
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 and
applicants
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 should be wise before granting or proposing a
credit
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card
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.
Banks
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 need to have clear and strict rules about giving loans to
customers
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. If
this
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 rule can be applied perfectly, it can be expected that the
bank
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 can prevent the failure of paying back
customers
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 who take the loan from the
bank
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.
Submitted by ru.kabiru.biru on

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