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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?

#people #hardship #credit #cards #banks #institutes #individual’s #ability #debts
Nowadays, there is a significant demand for
credit
cards
 in the market. Most users are not using it properly, and spending excessively than their monthly incomes,
due to
 which a large number of users are unable to pay back their EMI on time.
According to
 the data, I totally agree that
banks
 should scan each person's financial history before issuing a
credit
 card. In these looming paragraphs,
i
Change the capitalization
I
show examples
 will discuss the reasons for the agreement. To commence with, before issuing any
credit
 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
 the previous data, 90% of people are found that do not have a stable income source and still using
credit
cards
 to manage their expenses
as a result
, it is
the
Correct article usage
a
show examples
 threat for both the consumers
as well as
 for
banks
.
For instance
, Yes Bank bankrupt in 2019 because of non-payment loans and the central government of India passed a law that before complete verification
credit
cards
 will not be
issue
Wrong verb form
issued
show examples
 to any individual.
However
, it is even more important for
banks
 and financial companies to gain more and more customers to make revenue. So,
special
Correct article usage
a special
show examples
 policy should be made that whenever an individual
not be
Change the verb form
is not
was not
show examples
 able to pay back their debts on time
then
 the bank account will be banned and they will never be allowed to open another bank account until they have paid their debts.
Thus
,
this
 small initiative can help
banks
to
Change preposition
apply
show examples
easily distribute
credit
cards
 without any risk. In a nutshell, each aspect has its pros and cons.
Although
 the excessive use of
credit
cards
 can push a consumer
in
Change preposition
into
show examples
 debt that
are
Change the verb form
is
show examples
 not good for their financial balance, I believe the institutions and
banks
 verify the person's history and valid income source before issuing
credit
cards
, which is beneficial for both the companies and for consumers.
Submitted by gsmultani506 on

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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

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