It has become very common for people to borrow money. Most people have a Credit Card, a mortgage and often they will buy a car on credit as well. Is this a good idea is it too risky? Discuss both views and give your own opinion.

✨ Do you want to improve your IELTS writing?
The trend of borrowing from
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.

bank
Fix the agreement mistake
banks

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

show examples
getting
Verb problem
is

There may be a verb use issue here.

show examples
increase
Wrong verb form
increasing

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

show examples
.
Majority
Correct article usage
The majority

It seems that there is an article usage problem here.

show examples
of
people
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.

borrow
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.

to
Use synonyms
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.

payoff
Correct your spelling
pay off

The word payoff doesn’t seem to fit this context. Consider replacing it with a different one.

show examples
their mortgage and car loan. Some
people
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.

believe
its
Correct your spelling
it's

The word its doesn’t seem to fit this context. Consider replacing it with a different one.

show examples
good think as they
us
Correct your spelling
use

The word us doesn’t seem to fit this context. Consider replacing it with a different one.

show examples
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.

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 generate more
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.

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.

, I believe, the fact cannot be neglected that it
cause
Change the verb form
causes

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

show examples
mentally
Change the adverb
mental

It appears that the adverb mentally is attempting to modify the noun pressure. Consider replacing the adverb with an adjective.

show examples
pressure and more chance of
fraudulant
Correct your spelling
fraudulent

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

activities. No doubt, the borrowings available from
Use synonyms
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.

bank
Fix the agreement mistake
banks

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

show examples
in the form of
card
Fix the agreement mistake
cards

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

show examples
are made
way
Correct article usage
a way

It seems that there is an article usage problem here.

show examples
to
Use synonyms
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.

payoff
Correct your spelling
pay

The word payoff doesn’t seem to fit this context. Consider replacing it with a different one.

show examples
regular
bills
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.

.
People
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.

feel they have more
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.

Linking 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.

then
Correct your spelling
than

The word then doesn’t seem to fit this context. Consider replacing it with a different one.

show examples
their
bank
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.

balance which cannot be stolen and
handy
Add a missing verb
is handy

It seems that you are missing a verb. Consider adding it.

show examples
to
Use synonyms
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.

payoff
Correct your spelling
pay

The word payoff doesn’t seem to fit this context. Consider replacing it with a different one.

show examples
the
bills
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.

, large payments can be
done
Verb problem
made

There may be a verb use issue here.

show examples
through
such
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.

plastic cards without carrying cash in hand. Apart from that,
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.

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 banks can be invested to
generated
Change the form of the verb
generate

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

show examples
more
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.

for instance
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.

In some countries
people
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.

do investment
Wrong verb form
invest

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

show examples
in stocks 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.

card
Fix the agreement mistake
cards

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

show examples
and generate instant profit which would be used 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.

further
Verb problem
pay

There may be a verb use issue here.

show examples
payoff
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
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
bills
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.

people
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.

need to pay interest on
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.

transaction
Fix the agreement mistake
transactions

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

show examples
still, it is
popular
Add an article
a popular
the popular

The noun phrase popular choice seems to be missing a determiner before it. Consider adding an article.

show examples
choice
of
Change preposition
for

It seems that preposition use may be incorrect here.

show examples
public
Add an article
the public

The noun phrase public seems to be missing a determiner before it. Consider adding an article.

show examples
.
In contrast
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.

, the fact of
mentally
Change the adverb
mental

It appears that the adverb mentally is attempting to modify the noun pressure. Consider replacing the adverb with an adjective.

show examples
pressure cannot be denied which comes from the trap of
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.

payments. If someone, is
fail
Replace the word
fails

The word fail doesn’t seem to fit this context. Consider replacing it with a different one.

show examples
to
Use synonyms
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.

payoff
Correct your spelling
pay

The word payoff doesn’t seem to fit this context. Consider replacing it with a different one.

show examples
EMI
Correct article usage
the EMI

It seems that there is an article usage problem here.

show examples
of
Use synonyms
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
Correct article usage
the credit

It seems that there is an article usage problem here.

show examples
statement on time it charges
compouded
Correct your spelling
compounded
compound

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

interest of everyday to
cardholder
Correct article usage
the cardholder

It seems that there is an article usage problem here.

show examples
which becomes
huge
Correct article usage
a huge

It seems that there is an article usage problem here.

show examples
amount from small borrowing. If it doesn't get
Use synonyms
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.

payoff
Correct article usage
a payoff

It seems that there is an article usage problem here.

show examples
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.

at
Change preposition
in

It seems that preposition use may be incorrect here.

show examples
the end it leads
Change preposition
to a

It seems that preposition use may be incorrect here.

show examples
a lots
Correct the article-noun agreement
a lot
lots

The indefinite article a may not be required with the plural noun lots in this sentence. Consider removing the article, or changing the noun to singular.

show examples
of mental pressure and in some cases person ends
at
Change preposition
up

It seems that preposition use may be incorrect here.

show examples
bankrupcy
Correct your spelling
bankrupt

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

. It is important to use wise strategy
while
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.

using
such
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.

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.

transactions.
Also
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.

,
by
Change preposition
with

It seems that preposition use may be incorrect here.

show examples
the increase of technology fraud activities
are
Verb problem
have

There may be a verb use issue here.

show examples
become more popular in
such
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.

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.

operated
Correct your spelling
credit-operated

The word operated doesn’t seem to fit this context. Consider replacing it with a different one.

show examples
society. Scammers only need
few
Correct article usage
a few

It seems that there is an article usage problem here.

show examples
digits of OTP to vanish
whole
Change the article
the whole

It appears that the phrase whole amount does not contain the correct article usage. Consider making a change.

show examples
amount from
Correct article usage
the cardholder
show examples
cardholder
Change noun form
cardholder's

It seems that this noun form may be incorrect.

show examples
aacount
Correct your spelling
account
accounts

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

which
further
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.

impact
Correct subject-verb agreement
impacts

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

show examples
their
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.

score
also
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.

less chance of,
to retrieve
Change the verb form
retrieving

To retrieve doesn’t seem to work here.

show examples
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.

back.
For instance
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.

, in India high number of scams
were
Unnecessary verb
apply

The verb were appears to be unnecessary here.

show examples
happened
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.

unawareness
Correct article usage
the unawareness

It seems that there is an article usage problem here.

show examples
of
cardholder
Fix the agreement mistake
cardholders

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

show examples
who share their transaction OTP
to
Change preposition
with

It seems that preposition use may be incorrect here.

show examples
scammer
Add an article
the scammer
a scammer

The noun phrase scammer seems to be missing a determiner before it. Consider adding an article.

show examples
on call which leads to
large
Change the article
a large

It appears that the phrase large amount does not contain the correct article usage. Consider making a change.

show examples
amount
Fix the agreement mistake
amounts

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

show examples
of debt on
person
Add an article
the person
a person

The noun phrase person seems to be missing a determiner before it. Consider adding an article.

show examples
. In conclusion,
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.

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.

borrowings are helpful for
Use synonyms
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.

payoff
Correct your spelling
paying

The word payoff doesn’t seem to fit this context. Consider replacing it with a different one.

show examples
instant
bills
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
generate
Wrong verb form
generating

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

show examples
more
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 investment,
but
Remove the conjunction
apply

It appears that the word but is unnecessary in this sentence. Consider removing it.

show examples
if the statement balance
does
Verb problem
is

There may be a verb use issue here.

show examples
not clear on time it leads to high debt and has more chance of being
trap
Wrong verb form
trapped

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

show examples
in
fruad
Correct your spelling
fraud

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

. I believe
,
Remove the comma
apply

It appears that you have an unnecessary comma between the verb and object in your sentence. Consider removing it.

show examples
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.

should be used by following
strategy
Correct article usage
a strategy

It seems that there is an article usage problem here.

show examples
way of how to do
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.

payments on time to
Use synonyms
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.

bank
Add an article
the bank

The noun phrase bank seems to be missing a determiner before it. Consider adding an article.

show examples
.

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organization
Introduction and conclusion: Develop a clear and purposeful introduction that gives an overview of what will be discussed. Similarly, a conclusion should summarise your main points and clearly state your opinion.
organization
Paragraphing: Organise your essay into clear paragraphs. Each paragraph should address a single main idea, supported by examples or further explanation.
cohesion
Linking words and transitions: Use linking words and transitions between sentences and paragraphs to help your essay flow more naturally.
task response
Addressing the prompt: Ensure that you directly address all parts of the prompt in your essay. This includes discussing both views thoroughly and providing a clear, well-supported opinion.
content
Specific examples and detailed explanation: Incorporate more specific examples and detailed explanations to support your points. This helps in making your essay more persuasive and your arguments more convincing.

Word Count

IELTS says that you should write a minimum of 250 words in writing task 2. If you go under word count you will lose marks in task response.

A very long essay will not give you a higher band score.

Aim for between 260 to 290 words in writing task 2. This will ensure a concise essay and will be realistic in terms of time management. You have only 40 minutes to write the essay and you need around 10 minutes of planning time, so you will not be able to write a long essay in 30 minutes.

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:
  • compelled
  • strategic financial decision
  • investing
  • property
  • cash flow
  • rewards programs
  • debt trap
  • servicing debt
  • exacerbate
  • financial strain
  • cycle of debt
  • personal responsibility
  • financial literacy
  • informed decisions
  • excessive borrowing
  • ill-informed borrowing
  • financial planning
What to do next:
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