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.

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The increasing
use
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of
credit
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cards
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has led to a rise in personal debt. Some
people
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argue that
this
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is a problem that needed to be addressed,
while
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others argue that it is a necessary part of modern life. In
this
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essay, I will discuss both sides of
this
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argument and give my own opinion on the issue. On one hand,
credit
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cards
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can be very convenient for making purchases and can be useful in emergencies. They allow
people
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to buy things they may not be able to afford with cash, and they can
also
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offer rewards and benefits
such
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as cashback or travel points.
Additionally
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, It can help
people
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establish a
credit
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history, which is important for getting loans in the future.
However
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, there are
also
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several downsides to
credit
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card usage. One of the main concerns is that it can lead to overspending and high levels of debt. Many
people
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find it easy to spend more than they can afford when using
credit
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cards
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, and
this
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can result in high-interest charges and difficulty in paying off the liability.
Furthermore
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,
credit
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card companies often do aggressive marketing tactics to entice consumers to take on more
credit
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, which can lead to them getting into more debt than they can handle. In my opinion,
credit
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cards
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can be a useful tool, but they should be used with caution. It is important for
people
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to be aware of the potential downsides and to
use
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credit
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cards
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responsibly.
This
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means setting a budget, paying off the balance in full each month, and not taking no more
credit
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than you can afford to pay back.
Additionally
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, the government should
also
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regulate
credit
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card companies to prevent them from using aggressive marketing tactics which can lead to more dept. In conclusion,
while
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credit
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cards
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can offer convenience and benefits, it is important to be aware of the potential downsides and to
use
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them responsibly. With proper regulation, the
use
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of
credit
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cards
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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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