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

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Today, thanks to technological advancements, obtaining a

credit

card is a very easy process ,

however

, some individuals can face hardships when they have to pay their debts back. Personally, I think that the benefits of

credit

cards outweigh the drawbacks. On the one hand, I consider that there are a number of merits of

credit

cards. First of all, sometimes people need a huge amount of

money

, because of their problems.

That is

why, banks and their

credit

proposals can be beneficial from many aspects

such

as customers are able to pay return

money

from 6 months to 3 years with low per cent levels.

Also

, one of the main advantages of

this

is that you do not need to carry cash and it's an easy electronic payment system.

Furthermore

, if you lose your pocket or if you are mugged by robbers, you can easily and quickly block your bank accounts through their own applications.

On the other hand

according to

my view,

credit

cards have some demerits that can restrict their usage.

For instance

, they encourage people to spend their

money

excessively. Thereby, individuals cannot manage their budget and splurge

money

Moreover

, if purchasers are not able to pay

money

back to the banks, almost everyone suffers from

this

. Take an example, those in debt can lose their homes

while

the banks lose

money

. All of these cause some serious detrimental effects on social and economic fields. In conclusion, I suppose that

due to

the reasons that I mentioned above, the advantages of having a

credit

card outweigh the disadvantages.

Submitted by ismayilovemin530 on Tue Aug 29 2023

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task response

Expand on the disadvantages of credit cards by providing more specific examples and explaining their impact.

coherence and cohesion

Improve the organization of ideas by using clearer transitions between paragraphs and providing a stronger, more focused introduction and conclusion.

Include an introduction and conclusion

A conclusion is essential for IELTS writing task 2. It is more important than most people realise. You will be penalised for missing a conclusion in your IELTS essay.

The easiest paragraph to write in an essay is the conclusion paragraph. This is because the paragraph mostly contains information that has already been presented in the essay – it is just the repetition of some information written in the introduction paragraph and supporting paragraphs.

The conclusion paragraph only has 3 sentences:

Summary
Restatement of thesis
Prediction or recommendation

Example:

To summarize, a robotic teacher does not have the necessary disciple to properly give instructions to students and actually works to retard the ability of a student to comprehend new lessons. Therefore, it is clear that the idea of running a classroom completely by a machine cannot be supported. After thorough analysis on this subject, it is predicted that the adverse effects of the debate over technology-driven teaching will always be greater than the positive effects, and because of this, classroom teachers will never be substituted for technology.

Start your conclusion with a linking phrase. Here are some examples:

In conclusion
To conclude
To summarize
Finally
In a nutshell
In general

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12
Linking words
meeting the goal of 7 or more
2
Word repetition
meeting the goal of 3 or fewer
0
Grammar mistakes
detected issues

0123456789.0505

Overall Band Score

Coherence and Cohesion: 5.0

Logical structure

Introduction & conclusion present

Supported main points

Accurate linking words

Variety in linking words

Lexical resource: 7.0

Varied vocabulary

Accurate spelling & word formation

Grammatical Range: 9.0

Mix of complex & simple sentences

Clear and correct grammar

Task Achievement: 5.0

Complete response

Clear & comprehensive ideas

Relevant & specific examples

Appropriate word count

4 paragraphs

261 words

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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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Include an introduction and conclusion

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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?