IELTS Writing Correction Service
Writing Samples
Band 5

Many people are in financial hardship due to their irresponsible use of credit cards. Therefore, banks and other financial institutes should not issue credit cards unless they are completely sure of an individual’s ability to pay back their debts. To what extent do you agree or disagree?

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Nowadays, there is a significant demand for
credit
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cards
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 in the market. Most users are not using it properly, and spending excessively than their monthly incomes,
due to
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 which a large number of users are unable to pay back their EMI on time.
According to
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 the data, I totally agree that
banks
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 should scan each person's financial history before issuing a
credit
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 card. In these looming paragraphs,
i
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I
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 will discuss the reasons for the agreement. To commence with, before issuing any
credit
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 card to the user financial institutes first verify the stable income source of an individual, and should consider their cibil score, and after going through the procedure allow them to use it.
According to
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 the previous data, 90% of people are found that do not have a stable income source and still using
credit
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cards
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 to manage their expenses
as a result
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, it is
the
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a
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 threat for both the consumers
as well as
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 for
banks
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.
For instance
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, Yes Bank bankrupt in 2019 because of non-payment loans and the central government of India passed a law that before complete verification
credit
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cards
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 will not be
issue
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issued
show examples
 to any individual.
However
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, it is even more important for
banks
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 and financial companies to gain more and more customers to make revenue. So,
special
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a special
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 policy should be made that whenever an individual
not be
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is not
was not
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 able to pay back their debts on time
then
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 the bank account will be banned and they will never be allowed to open another bank account until they have paid their debts.
Thus
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,
this
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 small initiative can help
banks
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to
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apply
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easily distribute
credit
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cards
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 without any risk. In a nutshell, each aspect has its pros and cons.
Although
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 the excessive use of
credit
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cards
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 can push a consumer
in
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into
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 debt that
are
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is
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 not good for their financial balance, I believe the institutions and
banks
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 verify the person's history and valid income source before issuing
credit
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cards
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, which is beneficial for both the companies and for consumers.

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Fully explain your ideas

To get an excellent score in the IELTS Task 2 writing section, one of the easiest and most effective tips is structuring your writing in the most solid format. A great argument essay structure may be divided to four paragraphs, in which comprises of four sentences (excluding the conclusion paragraph, which comprises of three sentences).

For we to consider an essay structure a great one, it should be looking like this:

  • Paragraph 1 - Introduction
    • Sentence 1 - Background statement
    • Sentence 2 - Detailed background statement
    • Sentence 3 - Thesis
    • Sentence 4 - Outline sentence
  • Paragraph 2 - First supporting paragraph
    • Sentence 1 - Topic sentence
    • Sentence 2 - Example
    • Sentence 3 - Discussion
    • Sentence 4 - Conclusion
  • Paragraph 3 - Second supporting paragraph
    • Sentence 1 - Topic sentence
    • Sentence 2 - Example
    • Sentence 3 - Discussion
    • Sentence 4 - Conclusion
  • Paragraph 4 - Conclusion
    • Sentence 1 - Summary
    • Sentence 2 - Restatement of thesis
    • Sentence 3 - Prediction or recommendation

Our recommended essay structure above comprises of fifteen (15) sentences, which will make your essay approximately 250 to 275 words.

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