The increasing use of credit cards has led to a rise in personal dept. Some people argue that this is a problem that needs to be addressed, while others argue that it is a necessary part of modern life. Discuss both sides of this argument and give your own opinion.

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Credit
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card
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cards
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were introduced to
the
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apply
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society to provide multi-level benefits. There is an ongoing debate
around
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about
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the pros and cons of
credit
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cards
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in
the
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apply
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society.
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While
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Despite
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, the rising number of people with increased
persoanl
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personal
debts some
opininates
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believe
that the usage of
credit
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cards
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are
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is
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an issue
that
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is needed
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needs
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to be addressed, to counter
other
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others
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describe it as a part of life.
This
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essay will discuss the potential benefits and drawbacks of
credit
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card
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cards
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using examples with my opinion in the end showing why financial education is necessary to overcome
this
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issue.
To begin
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with,
credit
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cards
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allow
individual
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individuals
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to take personal
debt
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which will be repaid
at the end
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of the month.
This
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provides a sense of freedom, by allowing them to
use
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the money
however
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they please.
This
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way of paying
debt
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is
a
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an
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essential part of
modern
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the modern
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financial system, offering
convinience
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convenience
and security on every transaction, which is a must in making online purchases.
In addition
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,
this
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method
further
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accomodate
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accommodates
individual
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individuals
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by providing rewards points, cashback, and fraud protection, making them an attractive ideal option for
consumer's
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consumers'
show examples
daily
use
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.
On the other hand
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, people
sometime
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sometimes
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forget that these currency usage
are
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is
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a
debt
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leading them
in
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to
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a high personal
debt
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with increased interest rates,
resuting
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resulting
in
long term
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long-term
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financial stress and insecurity, making it difficult for an individual to pay it back.
Thus
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, impacting their
overall
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life and well-being.
Moreover
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, the ease
in
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of
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accessing these
credit
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cards
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makes many
to
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apply
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act on
thier
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their
impulse spending and financial mismanagement. In conclusion,
credit
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is an ideal option to make
payment
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payments
show examples
,
although
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they
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it
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ensure
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ensures
show examples
safety and
an
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apply
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ease
in
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of
show examples
daily
use
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,
this
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convinience
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convenience
may influence many to act on impulse spending affecting their financial wealth and
may lead
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leading
show examples
them to financial mismanagement. In my opinion, providing financial education and spreading awareness about the safe
use
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of
credit
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cards
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will allow people to overcome their personal debts.
Submitted by nick on

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language
Work on eliminating spelling and grammatical errors for a higher band score.
task achievement
Expand on your explanations and provide more specific examples to strengthen your arguments.
coherence cohesion
Ensure all parts of your essay are equally developed. For instance, balancing the discussion of benefits and drawbacks.
task achievement
You have provided a balanced discussion by mentioning both benefits and drawbacks of credit card usage.
coherence cohesion
Your introduction and conclusion are clear and set a good framework for the essay.

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:
  • personal debt
  • high-interest rates
  • easy access to credit
  • impulsive spending habits
  • financial mismanagement
  • financial stress
  • overall quality of life
  • essential part of modern financial systems
  • convenience and security for transactions
  • reward points
  • cashback
  • fraud protection
  • financial literacy
  • responsible credit usage
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