In many countries, it is very easy to apply for and be given a credit card. However, this causes some people to have problems with debts they cannot pay back. Do you think the advantages of credit cards outweigh the disadvantages?

#countries #credit #card #people #debts #cards

Credit

cards

are a blessing and a curse. They can be used to help you pay your bills,

however

the interest on them can make them more of a hassle than they are worth.

Consequently

, some people believe that these modes of payment can cause devastating debt. My opinion is that they are valuable when used correctly, but a sinking ship is in the hands of the untrained. The advantages of

credit

cards

are many. They can be used to transfer balance, and pay bills and when used smartly, they can improve your

credit

score

. My personal experience with

credit

cards

has been

this

way.

For instance

, I used a

credit

builder to increase my

credit

score

and simultaneously pulled myself out of debt. Obviously, I had to manage my finances and ensure I was meeting my targets,

otherwise

, it could have easily gone the other way.

On the other hand

, the disadvantage is that short-term solutions can plunge one into the pits of debt if they are not repaid in a timely manner.

Moreover

this

can worsen the

credit

score

and make life difficult as landlords and brokers check

credit

history before approving applications.

For example

, a friend of mine was made redundant and had enough savings to

last

her 4 months. She relied on

credit

cards

and ended up with a poor

credit

score

as she was unable to find a job. When she was able to find a job in a nearby city, she was unable to find a rental property

due to

her plummeting

score

and

thus

she was stuck in a spiral. In conclusion, I believe the advantages of

credit

cards

outweigh the disadvantages. They are a valuable tool and their benefits can only be appreciated by the learned.

Thus

, those taking out a

credit

card have a responsibility to self-educate before filing an application. If they choose not to do so, they must face the consequences.

Submitted by patelmeera on Sat Jul 06 2024

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coherence cohesion

The essay is well-organized and easy to follow, with a clear introduction and conclusion. However, the main points could be developed further with more detailed arguments and analysis.

coherence cohesion

Ensure that each paragraph transitions smoothly to the next. While the essay is generally cohesive, occasionally, the connections between points could be made clearer.

task achievement

Although the essay addresses the task effectively, it would benefit from delving deeper into the implications of credit card use and providing a more balanced view of both advantages and disadvantages.

task achievement

Consider integrating more diverse examples to support your arguments. While the essay provides relevant examples, additional evidence and varied perspectives would strengthen your position.

task achievement

The essay clearly articulates the advantages and disadvantages of credit cards, providing a balanced view that addresses the prompt effectively.

task achievement

Your personal experience adds a relatable and authentic touch to the essay, enhancing the credibility of your arguments.

coherence cohesion

The essay has a clear and logical structure, with a well-defined introduction, body paragraphs, and conclusion.

coherence cohesion

The transitions between paragraphs are generally smooth, contributing to the overall flow and readability.

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11Linking words
meeting the goal of 7 or more
3Word repetition
meeting the goal of 3 or fewer
0Grammar mistakes
 

4 paragraphs

322 words

0123456789.0505

Overall Band Score

Coherence and Cohesion: 7.0

Logical structure

Introduction & conclusion present

Supported main points

Accurate linking words

Variety in linking words

Lexical resource: 6.0

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

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In many countries, it is very easy to apply for and be given a credit card. However, this causes some people to have problems with debts they cannot pay back. Do you think the advantages of credit cards outweigh the disadvantages?

In some countries, the role of a mother differs in some ways from the role of a father. Why do you think these differences exist? How might parental roles develop in the future?

some experts believe that it is better for children to begin learning a foreign language at primary school rather than secondary . Do the advantages outweigh the disavantages?

Many people try to achieve success through their career or education. What can success mean to different people? What is your view of success?

In many countries, traditional dress and costumes are considered effective ways of maintaining links with the past. How effective can traditional costumes be, in this sense? What other ways exist to help citizens connect with a country’s past?

Now a days, many people have to work longer hours, and they feel more stressed out than before. What are the reasons? What can employers do to make their employees' lives easier?