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?

Although
credit
cards are easily approved in several countries,
however
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however,
show examples
these quick approvals can sometimes lead to the problem of bad debt for banks.
This
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
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issues
show examples
such
as
uncertainity
Correct your spelling
uncertainty
for banks and bad
credit
score
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scores
show examples
for customers.
Whilist
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While
acknowledging that there are plenty advantages of
this
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to this
show examples
scheme, the essay will argue that the advantages outweigh
disadvantages
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the disadvantages
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.
Due to
cut
throad
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throat
competition in
finance
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the finance
show examples
industry to attract more and more
customer
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customers
show examples
, one very famous big
bank
called icici
bank
came up with a scheme called "easy apply, quick approvals".
this
scheme claimed that it won't take more than 5 min for a customer to apply
and
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for and
show examples
approve a
credit
card
while
sitting at home.
This
product provided instant liquidity and
convinence
Correct your spelling
convenience
to many, people now
instead
of borrowing money from their parents or friends can just apply for
credit
Add an article
a credit
the credit
show examples
card
on
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with
show examples
a click.
This
gave people a sense of financial stability and reduced financial stress of many.
However
,
this
sense of financial stability came with a price tag, which people realised quite late. The interest charged on these
credit
cards
were
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was
show examples
much higher than a personal loan from a
bank
, which ultimately
lead
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led
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to
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the unability
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unability
Correct your spelling
inability
of
populance
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populace
to repay the
bank
.
This
unability
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inability
of
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to
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repayment
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repay
show examples
not only
lead
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leads
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to a bad
credit
score it
also
refrains them
to get
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from getting
show examples
any
further
loan
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loans
show examples
from a financial authority in the future.
Furthermore
,
this
burden of debt
effected
Correct your spelling
affected
show examples
many mentally and directed many in the wrong direction.
To conclude
,
eventhough
Correct your spelling
even though
credit
cards provide numerous benefits to an individual's financial state
it
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they
show examples
also
puts
Wrong verb form
put
show examples
a person in
a
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apply
show examples
financial distress if unable to make the repayment on time.
Hence
, the negative effects of
this
financial product
definately
Correct your spelling
definitely
outweigh its benefits.
Submitted by vasudha.gupta0818 on

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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.

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