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

These days, it is straightforward to sign up for a

credit

card

while

several

people

find it difficult when they encounter financial issues as they cannot repay the

card

balance they owe.

While

there are some drawbacks associated with

credit

cards, I believe the main benefits are more substantial. On the one hand, a potential disadvantage of owning a

credit

card

may be the tendency to overspend.

Due to

the fact that these companies made it possible to purchase over your budget with the perks, discounts and unlimited

credit

for instance

people

are more likely to be extravagant with their

money

and do compulsive shopping

that is

exceeding their income.

Thus

, individuals would not be able to keep track of their purchases which may result in a sizeable number of unnecessary expenses. Another perceived negative is that

people

are getting used to not having any paper

money

with them and it may cause problems.

For example

, when you take a taxi and the car does not have access to the electronic equipment to get the fare with a

credit

card

On the other hand

, a primary advantage of applying for a

credit

card

is that we do not need to carry a tremendous amount of cash in our wallet.

In other words

, these cards have enabled us to carry

money

as much as we want without taking the risks of losing it or being mugged or pickpocketed, to the contrary, stealing

money

from

credit

cards is almost impossible. A

further

benefit is undoubtedly having more buying options. With the advancement in technology and E-purchasing,

people

can benefit from a wide variety of goods. In my personal experience, recently I wanted to buy a travel bag pack and if I did not have access to different companies’ websites with the

credit

payment option, I would not have had a high-quality product. On balance, it is true that having a

credit

card

would seem disadvantageous under certain circumstances.

However

, in my view, its positive effects in terms of convenience of carrying large amounts of

money

and expanding your choices to buy from, override the disadvantages.

Submitted by jamalpourkiyana on Sat Sep 02 2023

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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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Essentional vocabulary list for IELTS Writing 7+

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10Linking words
meeting the goal of 7 or more
4Word repetition
meeting the goal of 3 or fewer
0Grammar mistakes
 

4 paragraphs

353 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: 5.0

Varied vocabulary

Accurate spelling & word formation

Grammatical Range: 9.0

Mix of complex & simple sentences

Clear and correct grammar

Task Achievement: 9.0

Complete response

Clear & comprehensive ideas

Relevant & specific examples

Appropriate word count

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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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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?

Include an introduction and conclusion

Essentional vocabulary list for IELTS Writing 7+

The gap between the rich and the poor is becoming wider; the rich are becoming richer and the poor are even getting poorer. Some people think that governments are responsible for this issue, and others think it is the responsibility of individuals. Discuss both views and give your opinion.

Summarise the information by selecting and reporting the main features, and make comparisons where relevant. You should write at least 150 words.

A lot of money is spent nowadays searching for oil. As the world's oil resources will eventually run out, it would be more logical to spend some of this money on developing new sources of power, such as wind and solar. To what extent do you agree or disagree.

The restoration of old buildings in major cities in the world costs numerous government's expenditure. This money should be used in new housing and road development. To what extent do you agree or disagree?

Some people say that now we can see films on our phones or tablets there is no need to go to the cinema. Other say that to be fully enjoyed, films need to be seen in a cinema. Disucss both these view and give your own opinions.