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

Correct your spelling

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

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 Wed Jun 14 2023

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Support ideas with relevant, specific examples

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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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11Linking words
meeting the goal of 7 or more
6Word repetition
meeting the goal of 3 or fewer
8Grammar mistakes
 

5 paragraphs

312 words

0123456789.0505

Overall Band Score

Coherence and Cohesion: 6.0

Logical structure

Introduction & conclusion present

Supported main points

Accurate linking words

Variety in linking words

Lexical resource: 4.0

Varied vocabulary

Accurate spelling & word formation

Grammatical Range: 4.0

Mix of complex & simple sentences

Clear and correct grammar

Task Achievement: 6.0

Complete response

7.5

Clear & comprehensive ideas

Relevant & specific examples

Appropriate word count

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

Support ideas with relevant, specific examples

it is often considered that change is more beneficial to people than trying to avoid it and have everything remain the same. Do you think the advantages of change outweigh the disadvantages?

Some believe that charitable organisations should help people no matter where they live. Others argue that charities should only help those living in the country where the charity is based. Discuss both views and give your opinion.

The crime rate among teenagers has increased dramatically in many countries. Discuss some possible reasons for this increase and suggest solutions.

Individuals reside in a culture of use-and-throw, utilising things briefly and then disposing of them. This essay will explore what are the causes of this practice and what issues it leads to.