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

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Credit

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cards

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

however

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

Consequently

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, 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

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cards

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

credit

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score

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. My personal experience with

credit

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cards

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has been

this

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way.

For instance

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, I used a

credit

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builder to increase my

credit

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score

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

otherwise

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, it could have easily gone the other way.

On the other hand

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, 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

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this

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can worsen the

credit

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score

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and make life difficult as landlords and brokers check

credit

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history before approving applications.

For example

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

last

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her 4 months. She relied on

credit

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cards

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and ended up with a poor

credit

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score

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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

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her plummeting

score

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and

thus

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

credit

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cards

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

Thus

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, those taking out a

credit

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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.

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

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

4 paragraphs

322 words

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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?

Car ownership has increased so rapidly over the past thirty years that many cities in the world are now 'one big traffic jam’’ How true do you think this statement is? What are measures can the government take to discourage people from using their cars?

Write about the following topic : For many , shopping malls are great places to spend their leisure time and meet others . People , however, in the past mostly visited shopping malls when necessary . To what extent do you think this is a negative trend?

The plans below show a public park when it first opened in 1920 and the same park today. Summarise the information by selecting and reporting the main features, and make comparisons where relevant.

In some cultures, children are often told that they can achieve anything if they try hard enough. What are the advantages and disadvantages of giving children this message?

Some people feel that entertainers such as film stars, pop musicians, or sports stars are paid too much money. Do you agree or disagree? Which other types of jobs should be highly paid?