Nowadays it is easy to apply for and be given a credit card. However even people experience problems when they are not able to pay their debts. Do the advantages of credit cards outweigh the disadvantages?
It is known that
people
experiencing
more convenience Wrong verb form
experience
to
the utilisation of a Change preposition
in
credit
card
nowadays. However
, problems arise when the payment
of their debt are need
to be made. Change the verb form
needs
While
credit
cards
are beneficial for many people
as it is flexible and convenient, it
can Correct pronoun usage
they
also
trap its
users Correct pronoun usage
their
to have
impulse buying Verb problem
in
behavior
and hinder saving habit
.
Regarding Fix the agreement mistake
habits
this
, credit
card
attracts many people
because of its flexibility and convenience. The purchasing process is easily done as they are able to proceed it
without carrying large amounts of cash. Not only that, many services in foreign countries only receive certain Correct pronoun usage
apply
payment
and luckily credit
card
Fix the agreement mistake
cards
is
considered a universal method of Correct subject-verb agreement
are
payment
. For example
, most of the accommodation services overseas only accept credit
card
Fix the agreement mistake
cards
beside
local bank debit Change preposition
besides
card
payment
. It would be Fix the agreement mistake
payments
such
a hassle to create a local bank account just to book for
Change preposition
apply
an
accommodation, Remove the article
apply
hence
credit
card
becomes a viable option.
Credit
cards
also
encourage consumer spending, which can stimulate economic growth. Consummers
do not need to pay directly, they can even have monthly Correct your spelling
Consumers
installment
to ensure their financial safety net, Fix the agreement mistake
installments
therefore
they do not need to worry to lose
their money after purchasing some products. The rewards and incentives Change preposition
about losing
that
is
given to Change the verb form
are
credit
cards
users, Change the noun form
card
such
as airline miles, cashback, and discounts, also
increasing
Wrong verb form
increase
people
tendency to spend more, which would benefit Change noun form
people's
the
economic growth.
Correct article usage
apply
However
, this
consummerism
Correct your spelling
consumerism
consumerist
behavior
Change the spelling
behaviour
also
leads the
Correct article usage
apply
people
to have impulse buying behavior
. Change the spelling
behaviour
This
would contribute to financial instability for individuals, especially if the users fail to understand the implications of high interest
rates. Add a hyphen
high-interest
This
would cause more problems to occur as unnecessary purchases, along with
the rates, sometimes does
not meet with Correct subject-verb agreement
do
a
proper earnings, Correct the article-noun agreement
apply
therefore
they could not afford to pay their debts.
The reliance on credit
cards
also
detract
Change the verb form
detracts
people
from shaping a
saving habits, as individuals may become accustomed to Correct the article-noun agreement
apply
spend
money they do not have on Change the verb form
spending
less
necessary and tertiary Add an article
the less
a less
product
, like Fix the agreement mistake
products
jewelry
, which would lead to long-term financial vulnerability. It would Change the spelling
jewellery
also
shape them to have high
standard of living, which is a mere illusion as they actually could not afford Add an article
a high
those lifestyle
.
In conclusion, Change the determiner
that lifestyle
those lifestyles
credit
card
Fix the agreement mistake
cards
does
help Correct subject-verb agreement
do
the
Correct article usage
apply
people
to
by giving convenience and rewards. Change preposition
apply
However
, with
it is Change preposition
apply
also
dangerous because it will stimulate impulse behavior
and prevent them Change the spelling
behaviour
to save
money.Change preposition
from saving
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task achievement
To improve task achievement, ensure that you address all parts of the prompt fully by developing a more balanced discussion on both advantages and disadvantages of credit cards. Additionally, work on creating a clearer position or argument throughout the essay.
coherence cohesion
For enhancing coherence and cohesion, consider organizing your ideas more systematically. Introduce each paragraph with a clear topic sentence, and make sure your arguments progress logically. Use a range of linking words to better connect your ideas.
task achievement
While some examples are provided, they could be more specifically tailored to reinforce your arguments. Try to incorporate detailed examples that clearly illustrate the advantages and disadvantages of credit cards related to the points you are making.
Answer the 'Problem and Solution' topic
Problem-and-solution essays fall naturally into two parts, the first describing and exploring the problem, the second setting out the solution or solutions.
You essay structure should look something like this:
- Introduction
- Body paragraph 1 – Problems
- Body paragraph 2 – Solutions
- Conclusion
Examples to start your body paragraph:
- One of the first problems of the...
- Another problem that needs to be considered...
- A possible solution to this problem would be...
- One immediate practical solution is to...