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

✨ Do you want to improve your IELTS writing?

In today's globalized financial landscape, the accessibility of

credit

Use synonyms

cards

Use synonyms

has become widespread, facilitating ease of acquisition in many nations.

However

Linking Words

, a concomitant rise in individuals grappling with insurmountable

debt

Use synonyms

poses pertinent questions about the balance of advantages and disadvantages associated with these financial instruments. The advantages of obtaining a

credit

Use synonyms

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

Linking Words

credit

Use synonyms

cards

Use synonyms

provide a financial safety net in emergencies, offering a rapid solution to unforeseen expenses.

This

Linking Words

liquidity not only fosters financial resilience but

also

Linking Words

enhances consumer confidence in navigating the uncertainties of daily life. Despite these merits, the disadvantages of

credit

Use synonyms

cards

Use synonyms

are glaring, with the most salient being the proclivity of users to accumulate

debt

Use synonyms

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

Linking Words

, the exorbitant interest rates associated with

credit

Use synonyms

cards

Use synonyms

exacerbate the financial burden on those unable to settle their balances promptly, creating a cycle of perpetual

debt

Use synonyms

. In evaluating

this

Linking Words

dichotomy, it becomes evident that the disadvantages of

credit

Use synonyms

card usage outweigh the benefits for a significant portion of the population.

While

Linking Words

the

cards

Use synonyms

offer immediate financial flexibility, the pitfalls of unbridled

debt

Use synonyms

accumulation pose a formidable challenge to users' financial well-being. To mitigate these issues, enhanced financial literacy programs and stringent regulations on

credit

Use synonyms

issuance are imperative, ensuring that individuals are equipped with the knowledge to wield

credit

Use synonyms

cards

Use synonyms

judiciously and avoid the perils of financial indebtedness.

Submitted by v.bzhasso95 on Fri Nov 10 2023

Unauthorized use and/or duplication of this material without express and written permission from this site’s author and/or owner is strictly prohibited. Excerpts and links may be used, provided that full and clear credit is given to Writing9 with appropriate and specific direction to the original content.

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.

Discover more tips in The Ultimate Guide to Get a Target Band Score of 7+ »— a book that's free for 🚀 Premium users.

5
Linking words
meeting the goal of 7 or more
3
Word repetition
meeting the goal of 3 or fewer
0
Grammar mistakes
detected issues

0123456789.0505

Overall Band Score

Coherence and Cohesion: 7.0

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: 8.0

Complete response

Clear & comprehensive ideas

Relevant & specific examples

Appropriate word count

4 paragraphs

266 words

🚀 Prepare for IELTS writing section today!

Unlimited Task 1 & Task 2 checks
Practice with essays, charts, and letters.
Personalized suggestions & mistake analysis
Spot every mistake and boost your score.
Topic ideas & vocabulary helpers
Expand your ideas and use the right words.
Progress tracking
Watch your writing improve with every practice.

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

What to do next:

Look at other essays:

4
band
Nowadays, some employers think that formal academic qualifications are more important than life experience or personal qualities when they look for new employees. Why is it the case? To what extent do you agree or disagree?
In recent years,some argue that a formal academic qualification owns the higher state when they recruit a new staff.In my opinion,I completely disagree with this point of view and I believe that life experience and personal qualities are more important which can be supported by the reasons as follows.
5
band
Students should focus on learning in the classroom rather than show their status by wearing fashionable clothes. Thebefore, all students have to wear school uniforms. Do you agree or disagree with this statement?
It is true that pupils should emphasize learning in the classroom rather than show state by dressing in trendy garments. All pupils should wear school uniforms. I completely agree with the idea that students should concentrate on learning for education rather than simply wearing fashionable clothes.
4
band
Shopping should be perceived as a form of self-indulgence rather than about buying things that are necessary. Do you agree or disagree?
With growth of people’s well-being much standards we had in the past are broke down, replaced with something unusual. The statement “In some countries today, people are having their first child when they are older” proofs enough this tendency. Let’s reveal advantages and disadvantages of this decision.
6.5
band
Some children spend hours every day on their smartphones. Why is this the case? Do you think this is a positive or a negative development? Give reasons for your answer and include any relevant examples from your own knowledge or experience.
In the contemporary era, many minors put the mjority of their time on their handsets. In my opinion, owing to existing entertainment applications that are amusing on mobile phones, this trend occurs. In addition, I hold this view that it is a negative trend that can cause serious problems in juveniles' lives.
5
band
Some people believe that unpaid community service should be compulsory in high school programmes (for example, working for a charity, improving the neighbourhood or teaching sports to younger children). Do you agree or disagree?
There is a debate regarding whether unpaid community service programmes should be mandated for teenagers at schools. I agree to this argument as it would help develop their interpersonal skills and gain life expereinces that are crucial for their adulthoods.

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?

Fully explain your ideas

Nowadays, some employers think that formal academic qualifications are more important than life experience or personal qualities when they look for new employees. Why is it the case? To what extent do you agree or disagree?

Students should focus on learning in the classroom rather than show their status by wearing fashionable clothes. Thebefore, all students have to wear school uniforms. Do you agree or disagree with this statement?

Shopping should be perceived as a form of self-indulgence rather than about buying things that are necessary. Do you agree or disagree?

Some children spend hours every day on their smartphones. Why is this the case? Do you think this is a positive or a negative development? Give reasons for your answer and include any relevant examples from your own knowledge or experience.

Some people believe that unpaid community service should be compulsory in high school programmes (for example, working for a charity, improving the neighbourhood or teaching sports to younger children). Do you agree or disagree?