Nowadays it is easy to apply for and be given a credit card. However, some people experience problems when they are not be able to pay their debts back. In your opinion, do the advantages of credit cards outweigh the disadvantages

#credit #card #people #debts #cards

Opinions are divided as to whether the

use

credit

cards

should be encouraged. In my perspective,

while

there are drawbacks to the

use

of a

credit

card

, I believe that it brings about much more benefits.

To begin

with, there are several advantages to owning

credit

cards

Firstly

, it is very convenient to

use

credit

cards

as various shops all over the world support

credit

card

payment.

Secondly

, since these days various nations turn to be cashless societies, a

credit

card

is one of the methods which encourage people in the societies to change their

behaviors

Change the spelling

behaviours

show examples

as it is quick and easy.

Finally

, there are a number of rewards which customers can earn from

credit

cards

for instance

, cash back, reserved car

park

Fix the agreement mistake

parks

show examples

at department stores, and premium lounges at airports. Despite these benefits, having

credit

cards

also

have drawbacks. First of all,

credit

card

allow people to access money all the time which lead to unnecessary purchases and overspending their budgets and

this

will create debts with very high interest rates.

Furthermore

, paying by a

credit

card

may be more expensive than paying by cash as certain shops

also

charge an additional approximately 2-3% for

credit

card

payment

Fix the agreement mistake

payments

show examples

Lastly

credit

card

Fix the agreement mistake

cards

show examples

may still be susceptible to fraud as fraudsters or thieves may

also

steal

credit

card

information and

then

make improper

use

of the

card

for example

, performing transactions with all transaction

limit

Fix the agreement mistake

limits

show examples

, or purchasing an illegal good. In conclusion, I can understand that some people might still prefer to carry cash around, but it seems to me that the advantages of a

credit

card

far outweigh the disadvantages.

Submitted by Partofyourworld on Sat Jul 08 2023

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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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12Linking words
meeting the goal of 7 or more
4Word repetition
meeting the goal of 3 or fewer
5Grammar mistakes
 

5 paragraphs

271 words

5.50

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: 5.0

Varied vocabulary

Accurate spelling & word formation

Grammatical Range: 5.0

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:

convenience
flexibility
financial security
unexpected expenses
rewards and incentives
cashback
airline miles
impulse buying
accumulating debt
high interest rates
minimum payments
credit score
borrowing capacity
reliance
saving habits
financial vulnerability

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Nowadays it is easy to apply for and be given a credit card. However, some people experience problems when they are not be able to pay their debts back. In your opinion, do the advantages of credit cards outweigh the disadvantages

Support ideas with relevant, specific examples

It is the government's responsibility to provide financial support to old people after they retire or individuals should save money for themselves. Discuss both views and give your own opinion.

Some parents think children's behavior should be strictly controlled, while other parents think children should be free to behave. Discuss both views and give examples.

Present a written argument to an educated reader with no specialist knowledge of the following topic: To solve the ever-increasing environmental hazards throughout the world, the best way is to increase the price of fuel. What is your opinion on the above assumption?

In the past, most people lived in small villages where everyone knew everyone else. Nowadays, most people live in large cities where they only know a few people in their area. What do you think were the advantages and disadvantages of living in a mall community?

Some people say History is one of the most important school subjects. Other people think that, in today's world, subject like science and technology are more important than History. Discuss both these views and give your opinion.