Nowadays it is easy to apply for and be given a credit card. However, some people experience problems when they are not be able to pay their debts back. In your opinion, do the advantages of credit cards outweigh the disadvantages?

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this

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contemporary society, owning a

credit

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card

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has become easier than ever before.

Nevertheless

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this

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fact

also

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puts a number of people to risk of being in

debt

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Although

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using

credit

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cards is undoubtedly convenient, I believe that the demerits somehow exceed the merits. There are some advantages of being given a

credit

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card

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Firstly

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this

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small

card

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is so handy that it can be utilized in most shopping areas.

In other words

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, thanks to the

credit

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card

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, there is no need for customers to carry cash with them or the shop assistants to count and hold that money.

Secondly

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, taking a

credit

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card

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is advantageous for some folks as they can pay the bills even when they have no monetary ability at that moment. More specifically, the bank will be willing to lend you a sum of money in advance with no interest rate within a certain period of time.

For instance

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last

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month, as being in need of a new fridge, I paid for it by

credit

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card

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whilst waiting for my salary to come, which was super useful.

Therefore

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, owing to the benefits of having a

credit

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card

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, it has become a popular stuff everyone has with them. Despite the above pros, the difficulties of being unable to clear the

debt

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harmfully affect a person's family and his own psychology.

Initially

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, getting into

debt

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, a person is blamed to be a heavy burden for his family as the partner is responsible for sharing the

debt

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. In fact, myriad couples are in jeopardy of breaking up when facing financial problems.

Additionally

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, ending up in huge

debt

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has adverse impacts on a person's mental health as well. It seems obvious that having the freedom to get whatever a man desires rob him of financial security. By

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I mean, if someone loses his self-control, an impulsive attitude toward buying can lead to other mental issues

such

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as self-esteem or substance abuse.

To conclude

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, the rewards offered by

credit

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cards make them handy financial tools, but everyone should consider the risks before getting in. To avoid getting into trouble, couples and families should work on budgets together, whenever possible.

mintu258Wed Mar 22 2023

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14
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meeting the goal of 7 or more
3
Word repetition
meeting the goal of 3 or fewer
0
Grammar mistakes
detected issues

0123456789.0505

Overall Band Score

Coherence and Cohesion: 9.0

Logical structure

Introduction & conclusion present

Supported main points

Accurate linking words

Variety in linking words

Lexical resource: 6.0

Varied vocabulary

Accurate spelling & word formation

Grammatical Range: 9.0

Mix of complex & simple sentences

Clear and correct grammar

Task Achievement: 9.0

Complete response

Clear & comprehensive ideas

Relevant & specific examples

Appropriate word count

4 paragraphs

360 words

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Topic Vocabulary:

convenience
flexibility
financial security
unexpected expenses
rewards and incentives
cashback
airline miles
impulse buying
accumulating debt
high interest rates
minimum payments
credit score
borrowing capacity
reliance
saving habits
financial vulnerability

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In today's digital world, most of people have their own mobile phone. Despite the concern about smartphone addiction among young people, the benefits of owning a smartphone outweigh the the drawbacks.