The reason that most individuals are in debt is due to the overuse and irresponsible use of credit cards. Banks 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 with this?

#reason #individuals #debt #overuse #credit #cards #banks #individual’s #ability #debts

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Overspending is a current trend nowadays, which can lead to higher

debt

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proportion in the community. Some people believe that

banks

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should apply the strict role of using

credit

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cards

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However

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credit

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cards

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come with many advantages and

thus

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I do not agree with that. In the following, we will deliberate more impressive usage of

credit

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cards

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. One of the most advantages of credits card provide us with a convenient

way

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of transactions and buying. It's a very comfortable and accessible

way

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However

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,people misuse

this

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feature and may buy not nesseccary items, which leads

individuals

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to get into a debut.

However

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,responsible spending should be learned and taught to decrease the percentage of overspending

instead

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of strictly issuing

Change preposition

apply

show examples

credit

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cards

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Credit

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cards

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are very essential ,especially in emergency situations and

hence

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is not practical for

banks

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to limit using them to persons only who are able to clear the

debt

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Thus

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, the efficient

way

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to reduce the rate of overuse is learning people to be more realistic when using

credit

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cards

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Additionally

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, there are many factors that lead

individuals

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to incur debts

such

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as loans , and unexpected life circumstances

such

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as job loss and medical needs. All of the previous factors can lead

individuals

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to borrow money and fall into heavy

debt

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Hence

Linking Words

, restricting the use of

credit

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cards

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could not solve the issue of increasing the rate of

debt

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completely. In terms of financial situations, responsible actions and usage is the most useful

way

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to prevent financial strains and falling into heavy debts.

Credit

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cards

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are a profound

way

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and more practical than cash usage

hence

Linking Words

banks

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could not stop using

credit

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cards

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To sum up

Linking Words

credit

Use synonyms

cards

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are a very convenient and practical financial tool.

Furthermore

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, it is very essential in emergency situations.

Hence

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, I totally disagree that

banks

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should restrict

credit

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cards

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to only responsible

individuals

Use synonyms

Submitted by fmalquran112 on Tue Jul 18 2023

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9
Linking words
meeting the goal of 7 or more
6
Word repetition
meeting the goal of 3 or fewer
1
Grammar mistakes
detected issues

0123456789.0505

Overall Band Score

Coherence and Cohesion: 4.0

Logical structure

Introduction & conclusion present

Supported main points

Accurate linking words

Variety in linking words

Lexical resource: 6.0

Varied vocabulary

Accurate spelling & word formation

Grammatical Range: 8.0

Mix of complex & simple sentences

Clear and correct grammar

Task Achievement: 7.0

Complete response

Clear & comprehensive ideas

Relevant & specific examples

Appropriate word count

4 paragraphs

310 words

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The reason that most individuals are in debt is due to the overuse and irresponsible use of credit cards. Banks 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 with this?

Some students prefer classes with open discussions between the professor and students and almost no lectures. Other students prefer classes with lectures and almost no discussions. Which do you prefer? Use specific reasons and examples to support your answer.

Despite health warning, a large number of people continue to smoke all over the world. why should we be concerned about this? what solution would you suggest? Give reason for your answer and include any relevant examples from your own knowledge or experience.

The increase in the production of consumer goods results in damage to the natural environment. What are the causes of this? What can be done to solve this problem?

Some people believe that professionals, such as doctors and engineers, should be required to work in the country where they did their training. Others believe they should be free to work in another country if they wish.