IELTS Writing Correction Service
Writing Samples
Band 7.5

People today increasingly use credit cards to make monthly purchases. Do the advantages of this outweigh the disadvantages?

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The number of
credit
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card
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 users has increased drastically over the years.
While
Linking Words
 some may argue that it is beneficial, others believe the opposite. In
this
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 essay, both perspectives will be discussed, and why in my opinion, the benefits are more compared to the drawbacks. On
one
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 hand, the biggest disadvantage
this
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 has is that the over-using of
credit
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cards
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 is bad for any person's financial state. Because you do not need to spend your money at that time, people usually buy stuff without need.
For example
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,
one
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 day, my friend went to a mall to meet somebody. There he liked
one
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 painting, and without hesitation, he bought it with his
credit
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card
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. Today, he regrets it, as the painting was too costly.
Therefore
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,
credit
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cards
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 should be used carefully.
On the other hand
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, the advantages a
credit
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card
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 provides outshine its drawbacks. Because you can avoid the need to pay presently,
this
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 can be helpful in emergencies.
For example
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,
one
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 time my grandfather got sick, and we needed money urgently for his treatment. My father used his
credit
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card
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 and thankfully, we were able to save his life.
Hence
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,
credit
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cards
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 could be considered life-saving in case of an emergency. In conclusion, over the years,
credit
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card
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 users have surged in numbers.
While
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 the advocates of
credit
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cards
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 claim
this
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 to be beneficial as it can be helpful in emergencies, others oppose it as people can easily misuse it to buy items they do not need. In my opinion, the benefits of
credit
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cards
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 outweigh the drawbacks.

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Use cohesive linking words accurately and appropriately

Linking words are very important in your essay.

To score effectively on your IELTS exam, you should make an effort to implement short concise sentences coupled with linking words.

Almost every sentence in your essay should have a linking word of some sort.

In fact, the only sentences that can omit linking words are your background sentence and thesis.

Linking word examples:

  • firstly
  • secondly
  • thirdly
  • in additional
  • moreover
  • also
  • for example
  • for instance
  • therefore
  • however
  • although
  • even though
  • despite

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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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