Nowadays it is easy to apply for and be given a credit card. However, some people experience problems when they are not able to pay their debts back. Do the advantages of credit cards outweigh the disadvantages?

In contemporary society, applying for and obtaining a

credit

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card has become relatively straightforward.

Credit

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cards

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offer

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various

benefits

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, including

convenience

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and financial flexibility, but they come with potential drawbacks, particularly for

individuals

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who struggle with

debt

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repayment.

This

Linking Words

essay will examine whether the advantages of

credit

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cards

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outweigh their disadvantages.

Firstly

Linking Words

, the primary advantage of

credit

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cards

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is the

convenience

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they provide.

Credit

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cards

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simplify transactions by eliminating the need to carry cash and enabling easy online and in-store purchases.

This

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convenience

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extends to emergency situations where immediate funds may be necessary, allowing users to make purchases or handle unforeseen expenses even if they do not have enough cash on hand.

Secondly

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, another significant benefit is the ability to build and improve

credit

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history. Responsible use of

credit

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cards

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, including making timely payments and keeping balances low, helps

individuals

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establish a positive

credit

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record. Strong

credit

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histories are crucial for securing loans with favourable interest rates in the future, including mortgages or car loans.

Besides

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, many

credit

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cards

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offer

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rewards programs, including cashback, points, or travel

benefits

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, which can provide added value and savings for everyday purchases.

For example

Linking Words

credit

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cards

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often come with perks

such

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as travel insurance, purchase protection, and extended warranties, which can enhance the

overall

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value of the card.

However

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credit

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cards

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come with notable risks. One of the main concerns is the potential for

debt

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accumulation. High interest rates associated with

credit

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cards

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can lead to substantial

debt

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if users carry balances from month to month, resulting in significant financial strain.

Moreover

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, the ease of access to

credit

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may lead some

individuals

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to spend beyond their means, resulting in overspending and increasing

debt

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. Late payments or missed payments can incur hefty fees and negatively impact one’s

credit

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score, making future borrowing more difficult and expensive.

Additionally

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, security risks pose a significant concern.

Credit

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card information can be stolen and used fraudulently, leading to potential financial losses and the hassle of resolving identity theft issues.

Although

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many

credit

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cards

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offer

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fraud protection, dealing with stolen information and unauthorized charges can be stressful and time-consuming.

To conclude

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while

Linking Words

credit

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cards

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offer

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substantial advantages, including

convenience

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, financial flexibility, and rewards, they present significant disadvantages, including the risk of

debt

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accumulation, financial mismanagement, and security concerns. Whether the

benefits

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outweigh the drawbacks largely depends on an individual’s ability to manage

credit

Use synonyms

responsibly.

Therefore

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individuals

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should carefully consider their financial habits and capabilities before using

credit

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cards

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to ensure they can reap the

benefits

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without falling prey to the pitfalls.

lenam2k1

Jul 5, 2024

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coherence cohesion

To enhance your essay, consider linking each paragraph more explicitly. This can be achieved by using transitional phrases to connect ideas, such as 'In addition,' 'Furthermore,' and 'On the other hand.' Doing so will improve the overall flow of your writing.

task achievement

Although you provide examples, they are somewhat general. Including more specific examples (e.g., citing statistical data, specific anecdotal experiences, or case studies) can strengthen your arguments and provide more concrete support for your points.

coherence cohesion

Your essay is well-structured with a clear introduction and conclusion. Both sections effectively frame your discussion of the topic.

task achievement

You've successfully presented a balanced view of the advantages and disadvantages of credit cards, and your arguments are logically organized.

Support ideas with relevant, specific examples

Examples make your writing easier to understand by illustrating points more effectively.

Examples, if used properly, not only help you get higher marks for ‘Task Response’ but also for ‘Coherence’.

When giving examples it is best to put them after your main idea or topic sentence. They can be used in the middle of supporting sentences or they can be used to start a new sentence. There is no rule for where exactly to give examples in essays, logically they would come after your main idea/topic sentence or just after a supporting sentence.

Linking words for giving examples:

for example
for instance
to illustrate this
to give a clear example
such as
namely
to illustrate
take, for example

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14
Linking words
meeting the goal of 7 or more
7
Word repetition
meeting the goal of 3 or fewer
0
Grammar mistakes
detected issues

0123456789.0505

Overall Band Score

Coherence and Cohesion: 8.0

Logical structure

Introduction & conclusion present

Supported main points

Accurate linking words

Variety in linking words

Lexical resource: 4.0

Varied vocabulary

Accurate spelling & word formation

Grammatical Range: 9.0

Mix of complex & simple sentences

Clear and correct grammar

Task Achievement: 7.0

Complete response

Clear & comprehensive ideas

Relevant & specific examples

Appropriate word count

4 paragraphs

421 words

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Topic Vocabulary:

convenience
flexibility
financial security
unexpected expenses
rewards and incentives
cashback
airline miles
impulse buying
accumulating debt
high interest rates
minimum payments
credit score
borrowing capacity
reliance
saving habits
financial vulnerability

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Nowadays it is easy to apply for and be given a credit card. However, some people experience problems when they are not able to pay their debts back. Do the advantages of credit cards outweigh the disadvantages?

Universities should accept equal numbers of male and female students in every subject. To what extent do you agree or disagree?

Some parents buy their children whatever they ask for, and allow their children to do whatever they want. Is this a good way to raise children? What consequences could this style of parenting have for children as they get older?

Some experts believe that it is better for children to begin learning a foreign language at primary school rather than secondary school. Do the advantages outweigh the disadvantages? Give reasons for your answers and include any relevant examples from your experiences.