IELTS Writing Correction Service
Writing Samples
Band 4.5

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?

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In
Linking Words
this
Correct determiner usage
these
show examples
 modern
times
Add a comma
times,
show examples
 most
of
Change preposition
apply
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the
Correct article usage
apply
show examples
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
Use synonyms
cards
Use synonyms
. Some nations believe
that
Linking Words
is
Correct your spelling
it
show examples
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
Linking Words
, some folks argue that it has several drawbacks. In
this
Linking Words
 essay, I am going to discuss both views and I will give my opinion of
this
Linking Words
 argument with relevant examples.
First,
Linking Words
we should consider about positive aspects. The government or private
banks
Use synonyms
 offer different
credit
Use synonyms
cards
Use synonyms
 to
people
Use synonyms
. That will help
many
Change preposition
in many
show examples
 ways
on
Change preposition
in
show examples
 their
life
Use synonyms
.
Such
Linking Words
 as, for managing
life
Use synonyms
 expenses,
to start
Change the verb form
starting
show examples
new
Add an article
a new
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 business, etc. Others believe that sometimes, individuals need investment.
Therefore
Linking Words
, they can get
money
Use synonyms
 from using
credit
Use synonyms
cards
Use synonyms
. In the same way anytime,
money
Use synonyms
 can be gotten from
Use synonyms
Bank
Correct article usage
the Bank
show examples
! Even,
small
Add an article
a small
show examples
amount
Use synonyms
 of
money
Use synonyms
 can be
got
Verb problem
obtained
show examples
 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
Use synonyms
bank
Correct article usage
a bank
show examples
 that would help to
Correct article usage
the nations
show examples
nations
Change noun form
nation's
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life
Use synonyms
.
For instance
Linking Words
,
Linking Words
last
Change preposition
in last
show examples
 middle of
year
Add an article
the year
show examples
, I planned to buy a motorbike
Linking Words
while
Correct word choice
but
show examples
 I did not have enough
money
Use synonyms
 for it.
Thus
Linking Words
, a certain
amount
Use synonyms
 was gotten from
Use synonyms
bank
Add an article
the bank
show examples
.
Likewise
Linking Words
, individuals are
gotten
Wrong verb form
getting
show examples
money
Use synonyms
by
Change preposition
with
show examples
credit
Use synonyms
cards
Use synonyms
. Apart from that have some drawbacks when
banks
Use synonyms
 offer
credit
Use synonyms
card
Fix the agreement mistake
cards
show examples
 to
people
Use synonyms
. They are being demanded some restrictions on accounts
,
Remove the comma
apply
show examples
 until folks pay the due
amount
Use synonyms
.
Use synonyms
Bank
Fix the agreement mistake
Banks
show examples
 would add tax for total borrowed capital meanwhile international
banks
Use synonyms
are increased
Wrong verb form
increase
show examples
 the percentage of tax for
credit
Use synonyms
card
Fix the agreement mistake
cards
show examples
.
Therefore
Linking Words
, 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
Use synonyms
 reports
shown
Add a missing verb
have shown
show examples
,
Correct word choice
that the
show examples
the
Correct article usage
a
show examples
 vast
amount
Use synonyms
 of users have
been
Unnecessary verb
apply
show examples
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
show examples
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
show examples
 time.
Instead
Linking Words
 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
Linking Words
, 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
show examples
negative
Correct article usage
the negative
show examples
 aspects. So I support to first argument.

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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
What to do next:
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