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Band 5

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

#people #credit #cards #purchases #outweigh
In order to make monthly budgeting easier, most people prefer using
credit
cards
 as they provide flexibility in managing expenses. I, personally, believe the advantages of using
credit
cards
 outweigh its disadvantages
due to
 various reasons. In my essay below, I will
further
 discuss the reasons and state my opinion.
Firstly
,
credit
cards
 work in post-paid methods where you can buy an item with your
credit
card
money
 limit and you can pay at a later point of time if
one
 does not have sufficient balance.
This
 adds great convenience to managing
one
's expenses. If they like to purchase a much-needed commodity or if they over-purchased
few
Correct article usage
a few
show examples
 items,
then
 they can still pay for it and compensate later.
This
 adds flexibility too. Apart from that, there are some banks that provide
reward
Fix the agreement mistake
rewards
show examples
 or discounts for maintaining good
credit
history
. People are using
credit
cards
 to enjoy those benefits as well.
Similarly
, during urgent situations,
one
 cannot always think that he'll have the required
money
 to handle a situation,
hence
 flexibility in
money
 matters is most important.
Credit
cards
 and loans are a great help to humans in
such
 situations. So, I think using
credit
cards
 is becoming a necessity sometimes.
In addition
 to that, in some countries like the USA,
credit
history
 maintained by a person is evaluated for many purposes and. it adds
advantage
Correct article usage
an advantage
show examples
 if they have an excellent
credit
history
. When they buy
new
Correct article usage
a new
show examples
 home or car, their interest rate reduction depends on
this
credit
history
.
This
 explains that in some countries,
credit
card
 usage is most valued.
However
, it can have negative impacts if
one
if
Correct your spelling
is
show examples
 not using their
credit
card
 morally. In conclusion, I believe
benefits
Correct article usage
the benefits
show examples
 of using
credit
cards
 certainly outweigh the disadvantages because of their importance,
however
a
Correct article usage
apply
show examples
credit
card
user
Fix the agreement mistake
users
show examples
 should be aware of their own
money
 threshold
while
 spending to avoid any legal problems.
Submitted by hemaecengineer on

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Support ideas with relevant, specific examples

Examples make your writing easier to understand by illustrating points more effectively.

Examples, if used properly, not only help you get higher marks for ‘Task Response’ but also for ‘Coherence’.

When giving examples it is best to put them after your main idea or topic sentence. They can be used in the middle of supporting sentences or they can be used to start a new sentence. There is no rule for where exactly to give examples in essays, logically they would come after your main idea/topic sentence or just after a supporting sentence.

Linking words for giving examples:

  • for example
  • for instance
  • to illustrate this
  • to give a clear example
  • such as
  • namely
  • to illustrate
  • take, for example

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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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