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

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

debt

proportion in the community. Some people believe that

banks

should apply the strict role of using

credit

cards

However

credit

cards

come with many advantages and

thus

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

credit

cards

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

way

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

way

However

,people misuse

this

feature and may buy not nesseccary items, which leads

individuals

to get into a debut.

However

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

instead

of strictly issuing

Change preposition

apply

show examples

credit

cards

Credit

cards

are very essential ,especially in emergency situations and

hence

is not practical for

banks

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

debt

Thus

, the efficient

way

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

credit

cards

Additionally

, there are many factors that lead

individuals

to incur debts

such

as loans , and unexpected life circumstances

such

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

individuals

to borrow money and fall into heavy

debt

Hence

, restricting the use of

credit

cards

could not solve the issue of increasing the rate of

debt

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

way

to prevent financial strains and falling into heavy debts.

Credit

cards

are a profound

way

and more practical than cash usage

hence

banks

could not stop using

credit

cards

To sum up

credit

cards

are a very convenient and practical financial tool.

Furthermore

, it is very essential in emergency situations.

Hence

, I totally disagree that

banks

should restrict

credit

cards

to only responsible

individuals

Submitted by fmalquran112 on Tue Jul 18 2023

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

4 paragraphs

310 words

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

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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?

Essentional vocabulary list for IELTS Writing 7+

Your neighbours have recently written to you to complain about the noise from your houseflat. Write a letter to your neighbours. In your letter, explain the reason for the noise apologise for the noise describe what action you will take

When we meet someone for the first time, we generally decide very quickly what kind of person we think they are and if we like them or not. Is this a good thing or a bad thing?

THE WORLD TODAY IS A SAFER PLACE THAN IT WAS A HUNDRED YEARS AGO, AND GOVERNMENT SHOULD STOP SPENDING LARGE AMOUNTS OF MONEY ON THEIR ARMED FORCES. To what extent do you agree.