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
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
Correct determiner usage
these

It seems that determiner use may be incorrect here.

show examples
modern
times
Add a comma
times,

It appears that you are missing a comma after the introductory phrase In this modern times. Consider adding a comma.

show examples
most
of
Change preposition
apply

It seems that preposition use may be incorrect here.

show examples
the
Correct article usage
apply

It seems that there is an article usage problem here.

show examples
people
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.

thrive on well-known
life
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.

. So they are finding good ways to
it
Add a missing verb
do it

It seems that you are missing a verb. Consider adding it.

show examples
! Nowadays!
People
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.

are having
Wrong verb form
have

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

show examples
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.

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.

banks
Change the noun form
bank

Your sentence appears to use the incorrect form of banks. Consider changing it to singular.

show examples
accounts and
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
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.

. Some nations believe
that
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.

is
Correct your spelling
it

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

show examples
helped
Wrong verb form
helps

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

show examples
to
Correct pronoun usage
them to

It seems that there is a pronoun problem here.

show examples
survive their
life
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.

.
On the other hand
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.

, some folks argue that it has several drawbacks. In
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, I am going to discuss both views and I will give my opinion 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.

argument with relevant examples.
First,
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.

we should consider about positive aspects. The government or private
banks
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.

offer different
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
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.

to
people
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.

. That will help
many
Change preposition
in many

It seems that preposition use may be incorrect here.

show examples
ways
on
Change preposition
in

It seems that preposition use may be incorrect here.

show examples
their
life
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.

.
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, for managing
life
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.

expenses,
to start
Change the verb form
starting

To start doesn’t seem to work here.

show examples
new
Add an article
a new

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

show examples
business, etc. Others believe that sometimes, individuals need investment.
Therefore
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.

, they can get
money
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.

from using
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
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.

. In the same way anytime,
money
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.

can be gotten from
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.

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.

Bank
Correct article usage
the Bank

It seems that there is an article usage problem here.

show examples
! Even,
small
Add an article
a small

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

show examples
amount
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.

of
money
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.

can be
got
Verb problem
obtained

There may be a verb use issue here.

show examples
from cash
deposit
Fix the agreement mistake
deposits

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

show examples
. Every month,
small
Add an article
a small

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

show examples
amount
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.

of
money
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.

can be paid to
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.

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.

bank
Correct article usage
a bank

It seems that there is an article usage problem here.

show examples
that would help to
Correct article usage
the nations
show examples
nations
Change noun form
nation's

It seems that this noun form may be incorrect.

show examples
life
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.

.
For instance
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.

,
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.

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.

last
Change preposition
in last

It seems that preposition use may be incorrect here.

show examples
middle of
year
Add an article
the year

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

show examples
, I planned to buy a motorbike
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.

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.

while
Correct word choice
but

It seems that conjunction use may be incorrect here.

show examples
I did not have enough
money
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.

for it.
Thus
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.

, a certain
amount
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.

was gotten from
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.

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.

bank
Add an article
the bank

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

show examples
.
Likewise
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.

, individuals are
gotten
Wrong verb form
getting

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

show examples
money
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.

by
Change preposition
with

It seems that preposition use may be incorrect here.

show examples
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
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.

. Apart from that have some drawbacks when
banks
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.

offer
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
Fix the agreement mistake
cards

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

show examples
to
people
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.

. They are being demanded some restrictions on accounts
,
Remove the comma
apply

It appears that you have an unnecessary comma before the dependent clause marker until. Consider removing the comma.

show examples
until folks pay the due
amount
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.

.
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.

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.

Bank
Fix the agreement mistake
Banks

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

show examples
would add tax for total borrowed capital meanwhile international
banks
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.

are increased
Wrong verb form
increase

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

show examples
the percentage of tax for
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
Fix the agreement mistake
cards

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

show examples
.
Therefore
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.

, that will be an enormous issue
to
Change preposition
for

It seems that preposition use may be incorrect here.

show examples
users so the government should
be consider
Change the verb form
consider

It appears that the form of the verb consider does not work with be in this sentence.

show examples
it. Several
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.

reports
shown
Add a missing verb
have shown

It seems that you are missing a verb. Consider adding it.

show examples
,
Correct word choice
that the
show examples
the
Correct article usage
a

It seems that there is an article usage problem here.

show examples
vast
amount
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.

of users have
been
Unnecessary verb
apply

The verb been appears to be unnecessary here.

show examples
taken debt
money
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.

. It was rapidly increased.
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.

, they are struggling to pay
it
Change preposition
for it

It seems that preposition use may be incorrect here.

show examples
. Taking everything in conclusion, The usage of
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
Fix the agreement mistake
cards

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

show examples
contains
advance
Correct your spelling
advantages

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

show examples
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
able
Add a missing verb
being able

It seems that you are missing a verb. Consider adding it.

show examples
to use
for
Correct pronoun usage
them for

It seems that there is a pronoun problem here.

show examples
purchasing things; we may not rely on others.
Money
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.

can be gotten
any
Change preposition
at any

It seems that preposition use may be incorrect here.

show examples
time.
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 drawbacks for due
amount
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.

is paid by
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.

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.

bank
Add an article
the bank
a bank

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

show examples
from
people
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.

.
Consequently
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.

, individuals
are struggled
Change to the active voice
struggle
have struggled

It appears you have attempted to use the intransitive verb struggled in a passive voice construction. Consider writing the sentence in the active voice.

show examples
to pay. Personally, I think that there are many benefits
outweigh
Correct pronoun usage
that outweigh

It seems that there is a pronoun problem here.

show examples
negative
Correct article usage
the negative

It seems that there is an article usage problem here.

show examples
aspects. So I support to first argument.

Unauthorized use and/or duplication of this material without express and written permission from this site's author and/or owner is strictly prohibited. Excerpts and links may be used, provided that full and clear credit is given to Writing9 with appropriate and specific direction to the original content.

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
What to do next:
Look at other essays: