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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

#credit #card #people #debts #cards
Opinions are divided as to whether the
use
 of
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

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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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