The reason that most people are in debt is the overuse as well as irresponsible use of credit cards. Banks ought to do a background check and only issue credit cards to individuals who have the ability to pay back their debts. What is your opinion?

#reason #people #debt #overuse #credit #cards #banks #background #check #individuals #ability #debts

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this

Linking Words

present age,

credit

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cards

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play a major role; they are like

Correct article usage

apply

show examples

pre-approved loan that helps customers in times of emergency or in-store purchases on

credit

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. Overusing or using

credit

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cards

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carelessly is the main cause of debt for most people. In my opinion, banks should conduct a background check before issuing affinity

cards

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to individuals who can afford to repay their financial responsibilities. Let us discuss more about

this

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topic in the upcoming paragraphs.

Firstly

Linking Words

, one of the severe issues is potential overspending on

credit

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cards

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. Most shopaholics or impatient buyers do not think twice about buying items that are worth more than their monthly income.

However

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, if the customers fail to pay the monthly due, they will end up paying a high rate of

interest

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. To cite an example,

interest

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rates can be as high as 3% per month, which aggregates to 36% per year. If there are any unpaid amounts, the

interest

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will accumulate and become a burden.

Secondly

Linking Words

credit

Use synonyms

card fraud is quite common these days.

Although

Linking Words

banks have taken measures to improve their fraud prevention systems, hackers and fraudsters always find new ways to loot.

For example

Linking Words

Credit

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card frauds like identity theft,

credit

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skimming, and lost or stolen

cards

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are so common in our country.

Thus

Linking Words

, card companies have to be extra vigilant before issuing

credit

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cards

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and make sure the customers have sufficient monthly income and a good

credit

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score.

To conclude

Linking Words

credit

Use synonyms

cards

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are really helpful for one's financial health. In fact,

credit

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cards

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are a helpful tool to reduce your expenses by taking advantage of reward points. Check the

interest

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rates and processing fees before applying for

credit

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cards

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Submitted by anusree.pillai.1992 on Sat Jul 08 2023

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8
Linking words
meeting the goal of 7 or more
3
Word repetition
meeting the goal of 3 or fewer
1
Grammar mistakes
detected issues

0123456789.0505

Overall Band Score

Coherence and Cohesion: 9.0

Logical structure

Introduction & conclusion present

Supported main points

Accurate linking words

Variety in linking words

Lexical resource: 6.0

Varied vocabulary

Accurate spelling & word formation

Grammatical Range: 8.0

Mix of complex & simple sentences

Clear and correct grammar

Task Achievement: 8.0

Complete response

Clear & comprehensive ideas

Relevant & specific examples

Appropriate word count

4 paragraphs

280 words

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The reason that most people are in debt is the overuse as well as irresponsible use of credit cards. Banks ought to do a background check and only issue credit cards to individuals who have the ability to pay back their debts. What is your opinion?

Write a letter to this businessman. In your letter ; Remind him when and where you met Tell him what kind of job you are interested in Say why you think you would be suitable for the job

Some people prefer to live in a house, while others feel that there are more advantages to living in an apartment. Are there more advantages than disavdantages to living in a house compared with living in an apaartment?

Some people think that the modern communication technology is having a negative effect on social relationships To what extent do you agree or disagree?

Some people think that competitive sports have a positive effect on the education of teenagers while others argue that the effect is negative. Discuss both these views and give your own opinion.