Nowadays it is easy to apply for and be given a credit card. However, some people experience problems when they are not able to pay their debt back. In your opinion, do the advantages of credit cards outweigh the disadvantages?

These days, loans are easily available in the form of

credit

cards

and one can get them easily by looking at the Internet and applying for the same. Financial companies are making huge amounts of money by charging interest rates way higher than the normal interest rates and other charges applicable to

credit

cards

. Most people are not capable enough to pay their debt on time and because of

this

companies make big profits. In

this

essay, I will discuss the impact of

credit

cards

on us and will share my opinion. To commence with,

credit

cards

are so common these days that most individuals carry multiple

cards

in their pocket as they give lots of benefits

such

as cashback offers, discounts and gift vouchers.

In other words

, attention card has many benefits when we make any purchase as they provide cashback

as well as

some points on each purchase and later those points can be redeemed to get gift vouchers.

For instance

, my Amazon

credit

card has over 8000 points which is equivalent to INR 2000, with

this

I can purchase anything I want.

On the other hand

cards

come with some drawbacks

Also

, if we don't pay the bill on time, banks charge more than 30% interest rates monthly on the due bill.

In addition

, it has an impact on the CIBIL score which is not good for certain aspects

such

as Future loans and Immigration purposes.

For example

, my friend Raju, who was in financial trouble and couldn't pay back the bills on a

credit

card he legally declared fraud by the bank which badly affected his CIBIL score

Due to

this

, his student visa applications were rejected many times.

To conclude

, In my opinion, using

credit

cards

has equal benefits and drawbacks because

credit

cards

are really a blessing to humans as they can spend money in case of an emergency.

However

, there is another side of the coin as well, if not used properly, one can get in trouble.

Submitted by dhingrarahul55 on Sun Sep 03 2023

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Task Response

Ensure to fully address the prompt by providing a balanced view in the introduction.

Coherence and Cohesion

Maintain coherence by organizing ideas in a more structured manner. Write a clear and strong conclusion as well.

Lexical Resource

Expand the range of vocabulary used and employ more varied and precise expressions.

Grammatical Range

Demonstrate grammatical accuracy and vary sentence structures to enhance fluency and coherence.

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

4 paragraphs

334 words

0123456789.0505

Overall Band Score

Coherence and Cohesion: 6.0

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: 9.0

Mix of complex & simple sentences

Clear and correct grammar

Task Achievement: 6.0

Complete response

Clear & comprehensive ideas

Relevant & specific examples

Appropriate word count

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