People today increasingly use credit cards to make monthly purchases. Do the advantages of this outweigh the disadvantages?

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These days, there is an increasing trend that people often pay their
bill
Fix the agreement mistake
bills

It seems that bill may not agree in number with other words in this phrase.

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through
credit
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

cards
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

.
Although
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

this
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

could provide
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

card holders
Correct your spelling
cardholders

The word card holders seems to be miswritten. Consider replacing it.

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some advantages, I still believe that the drawbacks of
this
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

trend
outweight
Correct your spelling
outweigh

If you don’t want outweight to be marked as misspelled in the future, you can add it to your personal dictionary.

the benefits it offers.
First,
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

proponets
Correct your spelling
proponents

If you don’t want proponets to be marked as misspelled in the future, you can add it to your personal dictionary.

may argue that paying through
credit
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

cards
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

is way more safer compared to
cashes
Change the wording
cash
amounts of cash
flows of cash
fistfuls of cash

It appears that cashes is an uncountable noun and should not be made plural. Consider changing the noun.

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. They might say carrying cash in your person can bring some risks, especially the possibility
to being
Verb problem
of

There may be a verb use issue here.

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committed
Wrong verb form
committing

It appears that your sentence or clause uses an incorrect form of the verb committed. Consider changing it.

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crimes. They could point out that
this
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

threat can be solved by utilizing
credit
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

cards
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

.
This
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

is because even if
pickpocket
Fix the agreement mistake
pickpockets

It seems that pickpocket may not agree in number with other words in this phrase.

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had the
card
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

from others, they could not steal
money
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

from the
card
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

holders.
However
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

, these advocates fail to factor
the
Change preposition
in the

It seems that preposition use may be incorrect here.

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fact that being robbed means the owners
is
Change the verb form
are

The verb is does not seem to agree with the subject. Consider changing the verb form.

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not cautious enough, not
due to
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

paper
money
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

.
Furthermore
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

, having banknotes
are
Correct subject-verb agreement
is

It seems that the verb are does not agree with the subject. Consider changing the verb form.

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crucial in some situations. Imagine a person who could not remember his
card
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

's password when he needed to make immediate payment, especially in case of
immergency
Correct your spelling
emergency

If you don’t want immergency to be marked as misspelled in the future, you can add it to your personal dictionary.

. Not only being
incovenient
Correct your spelling
inconvenient

If you don’t want incovenient to be marked as misspelled in the future, you can add it to your personal dictionary.

,
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

credit
Add the word(s)
but credit cards are also

The sentence is missing part of the not only ... but also construction. Consider adding the missing word(s).

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cards
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

are still having their own financial security concerns.
This
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

can be proved by the fact that some hackers can take advantage of
banking's
Change noun form
banking

It seems that this noun form may be incorrect.

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errors and
stole
Wrong verb form
steal

It appears that your sentence or clause uses an incorrect form of the verb stole. Consider changing it.

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money
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

from
the
Correct article usage
apply

It seems that there is an article usage problem here.

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card
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

owners.
This
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

could lead to serious consequences if
this
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

practice could not be investigated and
fix
Change the form of the verb
fixed

It appears that your sentence or clause uses an incorrect form of the verb fix. Consider changing it.

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, including
permarnently
Correct your spelling
permanently

If you don’t want permarnently to be marked as misspelled in the future, you can add it to your personal dictionary.

losing
money
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

and a sense of distrust in the banking systems. Those issues can be avoided if individuals switch from using online
money
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

to physical
cashes
Change the wording
cash
amounts of cash
flows of cash
fistfuls of cash

It appears that cashes is an uncountable noun and should not be made plural. Consider changing the noun.

show examples
.
In other words
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

, people have a higher control of their property when using paper
money
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

. In conclusion, despite
of
Change preposition
apply

It seems that preposition use may be incorrect here.

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personal safety,
this
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

phenomenon mentioned above
are
Correct subject-verb agreement
is

It seems that the verb are does not agree with the subject. Consider changing the verb form.

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likely
bring
Fix the infinitive
to bring

It seems that the use of particle to may be incorrect here.

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more concerns, including being inconvenient and financial security.

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coherence cohesion
While the essay provides an introduction and a conclusion, the overall structure needs to be more logical and cohesive. Transitioning between ideas should be smoother, and the essay should ensure each paragraph naturally leads to the next.
task achievement
The response answers the question, but the points made are sometimes not fully developed or detailed. To achieve a higher score, elaborate more on your ideas and consider both the advantages and disadvantages in a balanced manner.

Answer the 'Advantages and Disadvantages' topic

IELTS advantages and disadvantages questions normally give you a statement and ask you to comment on the advantages and disadvantages of that statement.

Answer structure for the type of essay

  • Introduction
  • Body paragraph 1 – advantages
  • Body paragraph 2 – disadvantages
  • Conclusion

Examples to start your body paragraph:

  • The main advantage is...
  • The disadvantage of this...
  • The main benefit...
  • Despite these advantages...
  • One possible drawback...

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:
  • Cashless transactions
  • Financial footprint
  • Interest rates
  • Credit score
  • Consumerism
  • Debt accumulation
  • Expenditure tracking
  • Fraudulent activities
  • Overspending
  • Purchase protection
  • Revolving credit
  • Creditworthiness
  • Impulse buying
  • Secured credit card
  • Unsecured credit card
  • Spending limit
What to do next:
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