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

✨ Do you want to improve your IELTS writing?
Although
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

credit
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

cards are easily approved in several countries,
Linking Words
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

however
Add the comma(s)
however,

It appears that you are missing a comma or two with the interrupter however. Consider adding the comma(s).

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these quick approvals can sometimes lead to the problem of bad debt for banks.
This
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

essay will demonstrate how early approvals can generate benefits like liquidity and ease for customers but at the same time can lead to bigger
issue
Fix the agreement mistake
issues

It seems that issue may not agree in number with other words in this phrase.

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such
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

as
uncertainity
Correct your spelling
uncertainty

If you don’t want uncertainity to be marked as misspelled in the future, you can add it to your personal dictionary.

for banks and bad
credit
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

score
Fix the agreement mistake
scores

It seems that score may not agree in number with other words in this phrase.

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for customers.
Whilist
Correct your spelling
While

If you don’t want Whilist to be marked as misspelled in the future, you can add it to your personal dictionary.

acknowledging that there are plenty advantages of
Linking Words
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

this
Change preposition
to this

It seems that preposition use may be incorrect here.

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scheme, the essay will argue that the advantages outweigh
disadvantages
Correct article usage
the disadvantages

It seems that there is an article usage problem here.

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.
Due to
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

cut
throad
Correct your spelling
throat

If you don’t want throad to be marked as misspelled in the future, you can add it to your personal dictionary.

competition in
finance
Add an article
the finance

The noun phrase finance industry seems to be missing a determiner before it. Consider adding an article.

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industry to attract more and more
customer
Fix the agreement mistake
customers

It seems that customer may not agree in number with other words in this phrase.

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, one very famous big
bank
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

called icici
bank
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

came up with a scheme called "easy apply, quick approvals".
this
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

scheme claimed that it won't take more than 5 min for a customer to apply
and
Change preposition
for and

It seems that preposition use may be incorrect here.

show examples
approve a
credit
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

card
while
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

sitting at home.
This
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

product provided instant liquidity and
convinence
Correct your spelling
convenience

If you don’t want convinence to be marked as misspelled in the future, you can add it to your personal dictionary.

to many, people now
instead
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

of borrowing money from their parents or friends can just apply for
Use synonyms
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

credit
Add an article
a credit
the credit

The noun phrase credit card seems to be missing a determiner before it. Consider adding an article.

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card
on
Change preposition
with

It seems that preposition use may be incorrect here.

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a click.
This
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

gave people a sense of financial stability and reduced financial stress of many.
However
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

,
this
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

sense of financial stability came with a price tag, which people realised quite late. The interest charged on these
credit
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

cards
were
Correct subject-verb agreement
was

It seems that the verb were does not agree with the subject. Consider changing the verb form.

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much higher than a personal loan from a
bank
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

, which ultimately
lead
Wrong verb form
led

It appears that your sentence or clause uses an incorrect form of the verb lead. Consider changing it.

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to
Correct article usage
the unability
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unability
Correct your spelling
inability

If you don’t want unability to be marked as misspelled in the future, you can add it to your personal dictionary.

of
populance
Correct your spelling
populace

If you don’t want populance to be marked as misspelled in the future, you can add it to your personal dictionary.

to repay the
bank
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

.
This
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

unability
Correct your spelling
inability

If you don’t want unability to be marked as misspelled in the future, you can add it to your personal dictionary.

of
Change preposition
to

It seems that preposition use may be incorrect here.

show examples
repayment
Replace the word
repay

The word repayment doesn’t seem to fit this context. Consider replacing it with a different one.

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not only
lead
Correct subject-verb agreement
leads

It seems that the verb lead does not agree with the subject. Consider changing the verb form.

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to a bad
credit
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

score it
also
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

refrains them
to get
Change preposition
from getting

It seems that preposition use may be incorrect here.

show examples
any
further
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

loan
Fix the agreement mistake
loans

It seems that loan may not agree in number with other words in this phrase.

show examples
from a financial authority in the future.
Furthermore
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

,
this
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

burden of debt
effected
Correct your spelling
affected

The word effected doesn’t seem to fit this context. Consider replacing it with a different one.

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many mentally and directed many in the wrong direction.
To conclude
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

,
eventhough
Correct your spelling
even though

If you don’t want eventhough to be marked as misspelled in the future, you can add it to your personal dictionary.

credit
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

cards provide numerous benefits to an individual's financial state
it
Correct pronoun usage
they

It seems that there is a pronoun problem here.

show examples
also
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

puts
Wrong verb form
put

It appears that your sentence or clause uses an incorrect form of the verb puts. Consider changing it.

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a person in
a
Remove the article
apply

The indefinite article, a, may be redundant when used with the uncountable noun distress in your sentence. Consider removing it.

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financial distress if unable to make the repayment on time.
Hence
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

, the negative effects of
this
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

financial product
definately
Correct your spelling
definitely

If you don’t want definately to be marked as misspelled in the future, you can add it to your personal dictionary.

outweigh its benefits.

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coherence cohesion
Avoid using conversational language and ensure that your essay maintains an academic tone. For instance, instead of saying "eventhough," write "even though."
coherence cohesion
Provide stronger links between paragraphs to improve the logical flow of ideas. This can help the reader follow your argument more easily.
task achievement
Introduce more specific examples and statistics to support your points. This can strengthen your argument and demonstrate your understanding of the topic.
task achievement
Proofread your work for small grammatical mistakes and proper punctuation. Ensuring your sentences are grammatically correct will make your essay clearer.
task achievement
Your essay provides a well-rounded view of the advantages and disadvantages of easy access to credit cards, showing both sides of the argument.
coherence cohesion
You have a good introduction and conclusion, which clearly present the main topic and summarize your viewpoint.

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.

Discover more tips in The Ultimate Guide to Get a Target Band Score of 7+ »— a book that's free for 🚀 Premium users.

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