IELTS Writing Correction Service
Writing Samples
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?

In today's globalized financial landscape, the accessibility of
credit
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cards
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 has become widespread, facilitating ease of acquisition in many nations.
However
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, a concomitant rise in individuals grappling with insurmountable
debt
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 poses pertinent questions about the balance of advantages and disadvantages associated with these financial instruments. The advantages of obtaining a
credit
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 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
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,
credit
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cards
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 provide a financial safety net in emergencies, offering a rapid solution to unforeseen expenses.
This
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 liquidity not only fosters financial resilience but
also
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 enhances consumer confidence in navigating the uncertainties of daily life. Despite these merits, the disadvantages of
credit
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cards
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 are glaring, with the most salient being the proclivity of users to accumulate
debt
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 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
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, the exorbitant interest rates associated with
credit
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cards
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 exacerbate the financial burden on those unable to settle their balances promptly, creating a cycle of perpetual
debt
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. In evaluating
this
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 dichotomy, it becomes evident that the disadvantages of
credit
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 card usage outweigh the benefits for a significant portion of the population.
While
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 the
cards
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 offer immediate financial flexibility, the pitfalls of unbridled
debt
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 accumulation pose a formidable challenge to users' financial well-being. To mitigate these issues, enhanced financial literacy programs and stringent regulations on
credit
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 issuance are imperative, ensuring that individuals are equipped with the knowledge to wield
credit
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cards
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 judiciously and avoid the perils of financial indebtedness.

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Task Achievement
Consider providing more specific examples or case studies to illustrate the points made in the essay, particularly regarding debt accumulation and its consequences. This will strengthen your argument and provide better support for your claims.
Coherence and Cohesion
Although the overall structure is logical, make sure each paragraph starts with a clear topic sentence that explicitly relates to the main argument. This can enhance the clarity of your overall essay structure.
Positive Aspect
Your essay demonstrates a high level of vocabulary and complex sentence structures which effectively convey your ideas.
Positive Aspect
You have successfully presented a balanced view of the advantages and disadvantages of credit cards, showing critical thinking.

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.

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:
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