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Band 7.5

Today credit cards are easy to get in many countries, but some people who use them struggle to pay their debt. Do the advantages outweigh the disadvantages?

#credit #cards #countries #people #struggle #debt
In today's globalized financial landscape, the accessibility of
credit
cards
 has become widespread, facilitating ease of acquisition in many nations.
However
, a concomitant rise in individuals grappling with insurmountable
debt
 poses pertinent questions about the balance of advantages and disadvantages associated with these financial instruments. The advantages of obtaining a
credit
 card are manifold. Primarily, they offer unparalleled convenience and flexibility, allowing users to make purchases and transactions without the encumbrance of carrying physical currency.
Moreover
,
credit
cards
 provide a financial safety net in emergencies, offering a rapid solution to unforeseen expenses.
This
 liquidity not only fosters financial resilience but
also
 enhances consumer confidence in navigating the uncertainties of daily life. Despite these merits, the disadvantages of
credit
cards
 are glaring, with the most salient being the proclivity of users to accumulate
debt
 beyond their means. The allure of instant gratification often blinds individuals to the long-term consequences of their spending habits, leading to a spiral of indebtedness.
Moreover
, the exorbitant interest rates associated with
credit
cards
 exacerbate the financial burden on those unable to settle their balances promptly, creating a cycle of perpetual
debt
. In evaluating
this
 dichotomy, it becomes evident that the disadvantages of
credit
 card usage outweigh the benefits for a significant portion of the population.
While
 the
cards
 offer immediate financial flexibility, the pitfalls of unbridled
debt
 accumulation pose a formidable challenge to users' financial well-being. To mitigate these issues, enhanced financial literacy programs and stringent regulations on
credit
 issuance are imperative, ensuring that individuals are equipped with the knowledge to wield
credit
cards
 judiciously and avoid the perils of financial indebtedness.
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coherence cohesion
Ensure that each paragraph directly relates to the main topic and that your ideas are supported with relevant examples and arguments.
coherence cohesion
Your introduction and conclusion are clear and well-presented, but could benefit from being slightly more detailed and impactful.
task response
Your response comprehensively addresses the task and provides relevant examples and arguments.

Fully explain your ideas

To get an excellent score in the IELTS Task 2 writing section, one of the easiest and most effective tips is structuring your writing in the most solid format. A great argument essay structure may be divided to four paragraphs, in which comprises of four sentences (excluding the conclusion paragraph, which comprises of three sentences).

For we to consider an essay structure a great one, it should be looking like this:

  • Paragraph 1 - Introduction
    • Sentence 1 - Background statement
    • Sentence 2 - Detailed background statement
    • Sentence 3 - Thesis
    • Sentence 4 - Outline sentence
  • Paragraph 2 - First supporting paragraph
    • Sentence 1 - Topic sentence
    • Sentence 2 - Example
    • Sentence 3 - Discussion
    • Sentence 4 - Conclusion
  • Paragraph 3 - Second supporting paragraph
    • Sentence 1 - Topic sentence
    • Sentence 2 - Example
    • Sentence 3 - Discussion
    • Sentence 4 - Conclusion
  • Paragraph 4 - Conclusion
    • Sentence 1 - Summary
    • Sentence 2 - Restatement of thesis
    • Sentence 3 - Prediction or recommendation

Our recommended essay structure above comprises of fifteen (15) sentences, which will make your essay approximately 250 to 275 words.

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Topic Vocabulary:
  • credit history
  • financial flexibility
  • emergencies
  • cashback
  • travel points
  • discounts
  • budget management
  • interest rates
  • fees
  • debt
  • credit scores
  • loans
  • mortgages
  • impulsive spending
  • financial difficulties
  • penalties
  • financial strain
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