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Writing Samples
Band 5.5

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

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Opinions are divided as to whether the
use
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 of
credit
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cards
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 should be encouraged. In my perspective,
while
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 there are drawbacks to the
use
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 of a
credit
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card
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, I believe that it brings about much more benefits.
To begin
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 with, there are several advantages to owning
credit
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cards
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.
Firstly
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, it is very convenient to
use
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credit
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cards
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 as various shops all over the world support
credit
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card
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 payment.
Secondly
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, since these days various nations turn to be cashless societies, a
credit
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card
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 is one of the methods which encourage people in the societies to change their
behaviors
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behaviours
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 as it is quick and easy.
Finally
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, there are a number of rewards which customers can earn from
credit
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cards
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,
for instance
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, cash back, reserved car
park
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parks
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 at department stores, and premium lounges at airports. Despite these benefits, having
credit
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cards
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also
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 have drawbacks. First of all,
credit
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card
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 allow people to access money all the time which lead to unnecessary purchases and overspending their budgets and
this
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 will create debts with very high interest rates.
Furthermore
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, paying by a
credit
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card
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 may be more expensive than paying by cash as certain shops
also
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 charge an additional approximately 2-3% for
credit
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card
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payment
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payments
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.
Lastly
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,
credit
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card
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cards
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 may still be susceptible to fraud as fraudsters or thieves may
also
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 steal
credit
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card
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 information and
then
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 make improper
use
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 of the
card
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,
for example
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, performing transactions with all transaction
limit
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limits
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, 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
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card
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 far outweigh the disadvantages.

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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:
  • 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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