IELTS Writing Correction Service
Writing Samples
Band 7

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?

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These days, it is straightforward to sign up for a
credit
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card
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,
while
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 several
people
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 find it difficult when they encounter financial issues as they cannot repay the
card
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 balance they owe.
While
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 there are some drawbacks associated with
credit
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 cards, I believe the main benefits are more substantial. On the one hand, a potential disadvantage of owning a
credit
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card
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 may be the tendency to overspend.
Due to
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 the fact that these companies made it possible to purchase over your budget with the perks, discounts and unlimited
credit
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for instance
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,
people
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 are more likely to be extravagant with their
money
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 and do compulsive shopping
that is
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 exceeding their income.
Thus
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, 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
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 are getting used to not having any paper
money
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 with them and it may cause problems.
For example
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, when you take a taxi and the car does not have access to the electronic equipment to get the fare with a
credit
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card
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.
On the other hand
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, a primary advantage of applying for a
credit
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card
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 is that we do not need to carry a tremendous amount of cash in our wallet.
In other words
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, these cards have enabled us to carry
money
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 as much as we want without taking the risks of losing it or being mugged or pickpocketed, to the contrary, stealing
money
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 from
credit
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 cards is almost impossible. A
further
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 benefit is undoubtedly having more buying options. With the advancement in technology and E-purchasing,
people
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 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
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 payment option, I would not have had a high-quality product. On balance, it is true that having a
credit
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card
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 would seem disadvantageous under certain circumstances.
However
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, in my view, its positive effects in terms of convenience of carrying large amounts of
money
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 and expanding your choices to buy from, override the disadvantages.

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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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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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