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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
Most people lack the ability to manage their finances efficiently and effectively which ultimately results in bankruptcy. People are not aware of the consequences of using their
credit
cards
. They blindly use
lines
 of
credit
 to pay out their basic necessities turning into a long bill
at the end
 of the month. I believe that financial institutions shouldn't grant
lines
 of
credit
 to every individual having accounts with them. They should set criteria as to whom they can issue a
credit
 card. I am putting forth my opinion in the following paragraphs.
To begin
 with, the borrowing limit should be set to a minimum for every account holder which can gradually be increased if maintained properly. Doing
this
 will teach holders how to pay off their debts on time and as the borrowing limit is set to a minimum at the initial stage corresponding to a capacity of a holder even if fully utilized they can be in a situation to fully pay off their expenses on
credit
cards
.
On the other hand
, it can save bank funds too.
Secondly
, if financial settlement issues
credit
cards
 based on an individual's capacity
then
 inflation can be controlled to some extent as prices of commodities are inflated because buyers have buying abilities
due to
 easy excess of
credit
cards
. Individuals buy things that aren't even required of them leading to their inability to pay their loans. In fact, banks should issue more
lines
 of
credit
 to businesses so they can expand
further
.
To conclude
, I would say financial institutions should be careful enough to issue new
lines
 of
credit
 to their customers so the money can be utilised in a good direction. No doubt, when a client is unable to pay off their debts banks simply keeps on adding interest over and above minimum monthly payments but there's always a risk of bankruptcy and money laundering.
Submitted by simranjeetkaur.86.68 on

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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

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