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.

Credit
card
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cards
show examples
were introduced to
the
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apply
show examples
society to provide multi-level benefits. There is an ongoing debate
around
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about
show examples
the pros and cons of
credit
cards
in
the
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apply
show examples
society.
While
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Despite
show examples
, 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
cards
are
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is
show examples
an issue
that
is needed
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needs
show examples
to be addressed, to counter
other
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others
show examples
describe it as a part of life.
This
essay will discuss the potential benefits and drawbacks of
credit
card
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cards
show examples
using examples with my opinion in the end showing why financial education is necessary to overcome
this
issue.
To begin
with,
credit
cards
allow
individual
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individuals
show examples
to take personal
debt
which will be repaid
at the end
of the month.
This
provides a sense of freedom, by allowing them to
use
the money
however
they please.
This
way of paying
debt
is
a
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an
show examples
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
,
this
method
further
accomodate
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accommodates
individual
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individuals
show examples
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
.
On the other hand
, people
sometime
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sometimes
show examples
forget that these currency usage
are
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is
show examples
a
debt
leading them
in
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to
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a high personal
debt
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
, impacting their
overall
life and well-being.
Moreover
, the ease
in
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of
show examples
accessing these
credit
cards
makes many
to
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apply
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act on
thier
Correct your spelling
their
impulse spending and financial mismanagement. In conclusion,
credit
is an ideal option to make
payment
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payments
show examples
,
although
they
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it
show examples
ensure
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ensures
show examples
safety and
an
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apply
show examples
ease
in
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of
show examples
daily
use
,
this
convinience
Correct your spelling
convenience
may influence many to act on impulse spending affecting their financial wealth and
may lead
Wrong verb form
leading
show examples
them to financial mismanagement. In my opinion, providing financial education and spreading awareness about the safe
use
of
credit
cards
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.

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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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