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The increasing use of credit cards has led to a rise in personal dept. Some people argue that this is a problem that needs to be addressed, while others argue that it is a necessary part of modern life. Discuss both sides of this argument and give your own opinion.

#credit #cards #rise #dept #people #part #life #argument
The increasing
use
 of
credit
cards
 has led to a rise in personal debt. Some
people
 argue that
this
 is a problem that needed to be addressed,
while
 others argue that it is a necessary part of modern life. In
this
 essay, I will discuss both sides of
this
 argument and give my own opinion on the issue. On one hand,
credit
cards
 can be very convenient for making purchases and can be useful in emergencies. They allow
people
 to buy things they may not be able to afford with cash, and they can
also
 offer rewards and benefits
such
 as cashback or travel points.
Additionally
, It can help
people
 establish a
credit
 history, which is important for getting loans in the future.
However
, there are
also
 several downsides to
credit
 card usage. One of the main concerns is that it can lead to overspending and high levels of debt. Many
people
 find it easy to spend more than they can afford when using
credit
cards
, and
this
 can result in high-interest charges and difficulty in paying off the liability.
Furthermore
,
credit
 card companies often do aggressive marketing tactics to entice consumers to take on more
credit
, which can lead to them getting into more debt than they can handle. In my opinion,
credit
cards
 can be a useful tool, but they should be used with caution. It is important for
people
 to be aware of the potential downsides and to
use
credit
cards
 responsibly.
This
 means setting a budget, paying off the balance in full each month, and not taking no more
credit
 than you can afford to pay back.
Additionally
, the government should
also
 regulate
credit
 card companies to prevent them from using aggressive marketing tactics which can lead to more dept. In conclusion,
while
credit
cards
 can offer convenience and benefits, it is important to be aware of the potential downsides and to
use
 them responsibly. With proper regulation, the
use
 of
credit
cards
 can be a necessary part of modern life without negative impacts.
Submitted by Kotchamon.jk on

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Fully explain your ideas

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.

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:
  • personal debt
  • high-interest rates
  • easy access to credit
  • impulsive spending habits
  • financial mismanagement
  • financial stress
  • overall quality of life
  • essential part of modern financial systems
  • convenience and security for transactions
  • reward points
  • cashback
  • fraud protection
  • financial literacy
  • responsible credit usage
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