Nowadays it is easy to apply for and be given a credit card. However, some people experience problems when they are not be able to pay their debts back. In your opinion, do the advantages of credit cards outweigh the disadvantages?

✨ Do you want to improve your IELTS writing?
In
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this
Correct determiner usage
these
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modern
times
Add a comma
times,
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most
of
Change preposition
apply
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the
Correct article usage
apply
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people
Use synonyms
thrive on well-known
life
Use synonyms
. So they are finding good ways to
it
Add a missing verb
do it
show examples
! Nowadays!
People
Use synonyms
are having
Wrong verb form
have
show examples
Use synonyms
banks
Change the noun form
bank
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accounts and
credit
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cards
Use synonyms
. Some nations believe
that
Linking Words
is
Correct your spelling
it
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helped
Wrong verb form
helps
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to
Correct pronoun usage
them to
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survive their
life
Use synonyms
.
On the other hand
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, some folks argue that it has several drawbacks. In
this
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essay, I am going to discuss both views and I will give my opinion of
this
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argument with relevant examples.
First,
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we should consider about positive aspects. The government or private
banks
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offer different
credit
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cards
Use synonyms
to
people
Use synonyms
. That will help
many
Change preposition
in many
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ways
on
Change preposition
in
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their
life
Use synonyms
.
Such
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as, for managing
life
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expenses,
to start
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starting
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new
Add an article
a new
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business, etc. Others believe that sometimes, individuals need investment.
Therefore
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, they can get
money
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from using
credit
Use synonyms
cards
Use synonyms
. In the same way anytime,
money
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can be gotten from
Use synonyms
Bank
Correct article usage
the Bank
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! Even,
small
Add an article
a small
show examples
amount
Use synonyms
of
money
Use synonyms
can be
got
Verb problem
obtained
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from cash
deposit
Fix the agreement mistake
deposits
show examples
. Every month,
small
Add an article
a small
show examples
amount
Use synonyms
of
money
Use synonyms
can be paid to
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bank
Correct article usage
a bank
show examples
that would help to
Correct article usage
the nations
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nations
Change noun form
nation's
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life
Use synonyms
.
For instance
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,
Linking Words
last
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in last
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middle of
year
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the year
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, I planned to buy a motorbike
Linking Words
while
Correct word choice
but
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I did not have enough
money
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for it.
Thus
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, a certain
amount
Use synonyms
was gotten from
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bank
Add an article
the bank
show examples
.
Likewise
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, individuals are
gotten
Wrong verb form
getting
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money
Use synonyms
by
Change preposition
with
show examples
credit
Use synonyms
cards
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. Apart from that have some drawbacks when
banks
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offer
credit
Use synonyms
card
Fix the agreement mistake
cards
show examples
to
people
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. They are being demanded some restrictions on accounts
,
Remove the comma
apply
show examples
until folks pay the due
amount
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.
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Bank
Fix the agreement mistake
Banks
show examples
would add tax for total borrowed capital meanwhile international
banks
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are increased
Wrong verb form
increase
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the percentage of tax for
credit
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card
Fix the agreement mistake
cards
show examples
.
Therefore
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, that will be an enormous issue
to
Change preposition
for
show examples
users so the government should
be consider
Change the verb form
consider
show examples
it. Several
bank
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reports
shown
Add a missing verb
have shown
show examples
,
Correct word choice
that the
show examples
the
Correct article usage
a
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vast
amount
Use synonyms
of users have
been
Unnecessary verb
apply
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taken debt
money
Use synonyms
. It was rapidly increased.
Furthermore
Linking Words
, they are struggling to pay
it
Change preposition
for it
show examples
. Taking everything in conclusion, The usage of
credit
Use synonyms
card
Fix the agreement mistake
cards
show examples
contains
advance
Correct your spelling
advantages
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such
Linking Words
as
able
Add a missing verb
being able
show examples
to use
for
Correct pronoun usage
them for
show examples
purchasing things; we may not rely on others.
Money
Use synonyms
can be gotten
any
Change preposition
at any
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time.
Instead
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of drawbacks for due
amount
Use synonyms
is paid by
Use synonyms
bank
Add an article
the bank
a bank
show examples
from
people
Use synonyms
.
Consequently
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, individuals
are struggled
Change to the active voice
struggle
have struggled
show examples
to pay. Personally, I think that there are many benefits
outweigh
Correct pronoun usage
that outweigh
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negative
Correct article usage
the negative
show examples
aspects. So I support to first argument.
Submitted by Najuthiran on

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vocabulary
Try to use more varied and precise vocabulary to express your ideas clearly and accurately. Avoid repetition and ensure word choices fit the context.
grammar
Work on sentence structure to avoid run-on sentences and fragments. Short and clear sentences often make your arguments more persuasive.
structure
Make sure each paragraph serves a clear purpose and ties back to the thesis statement. Avoid tangents and stay focused on supporting your main argument.
example
You included relevant examples to support your main points, which helps clarify and strengthen your argument.
balanced view
The essay addresses both the advantages and disadvantages of credit cards, showing a balanced view before stating your own opinion.
task response
You have managed to cover the main points of the task, such as how credit cards can help with expenses and their associated risks.
Topic Vocabulary:
  • convenience
  • flexibility
  • financial security
  • unexpected expenses
  • rewards and incentives
  • cashback
  • airline miles
  • impulse buying
  • accumulating debt
  • high interest rates
  • minimum payments
  • credit score
  • borrowing capacity
  • reliance
  • saving habits
  • financial vulnerability
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