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?
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
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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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