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?

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These days, loans are easily available in the form of

credit

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cards

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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

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cards

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

this

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companies make big profits. In

this

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essay, I will discuss the impact of

credit

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cards

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

credit

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cards

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are so common these days that most individuals carry multiple

cards

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in their pocket as they give lots of benefits

such

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as cashback offers, discounts and gift vouchers.

In other words

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

as well as

Linking Words

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

For instance

Linking Words

, my Amazon

credit

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

this

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I can purchase anything I want.

On the other hand

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cards

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come with some drawbacks

Also

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

In addition

Linking Words

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

such

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as Future loans and Immigration purposes.

For example

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

credit

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

Due to

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this

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, his student visa applications were rejected many times.

To conclude

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, In my opinion, using

credit

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cards

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has equal benefits and drawbacks because

credit

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cards

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

However

Linking Words

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

dhingrarahul55Sun 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.

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: 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

4 paragraphs

334 words

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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 able to pay their debt back. In your opinion, do the advantages of credit cards outweigh the disadvantages?

Walking is important for health but the number of people walking has reduced. What is the reason of this situation? What can be done to takle the this problem?

some people think plastic bags should be banned. others believe they are needed in society today. discuss both these views and give your own opinion.

Pie Chart The amount of money that a children's charity located in the USA spent and received in one year, 2016.

Some people say that the current obsession with technology and the internet means that we are creating a generation of people that have poor social skills.

Most people believe that social media such as facebook and instagram negatively impact on society and individuals. To what extent do you agree or disagree with this statement?