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

#credit #card #people #debt #cards
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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

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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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