The debate on cash versus credit card has been going on for some time. Credit is still a fairly new concept within the history of finance; so many people would rather stick with paper money. According to you, which is a better payment method, cash or credit? Give reasons for your answer and include any relevant examples from your own knowledge or experience.

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At present, many people are conflicted about using

credit

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cards

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over

cash

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. It is believed that card

payments

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are a recent technology in the financial world,

whereas

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individuals prefer paper

money

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. In my view, I disagree with

this

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preference, and my reasons will be outlined. On the one hand, using

credit

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or debit

cards

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offers a range of discounts and rewards for customers.

For example

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, when you pay using American Express

cards

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at the supermarket, they often offer a 10% discount. By the end of the month,

this

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can result in significant savings.

Moreover

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, online

payments

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provide exclusive gifts and rewards through random selections. Personally, I won a lottery to visit Australia

last

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summer through an online

bank

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transaction.

Additionally

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cards

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are generally secure because they possess strong security systems with NFC features, reducing concerns about carrying

cash

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As a result

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, traditional theft is diminished, and in case of a lost or stolen card, the

bank

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can immediately block the service, ensuring that

money

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remains secure.

Credit

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cards

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also

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offer specialized saving methods and

high-interest

Correct your spelling

high interest

show examples

rates on a monthly basis.

On the other hand

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credit

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cards

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are not universally accepted.

For instance

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, many local stores lack facilities for cashless

payments

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, which can cause problems for both customers and businesses if they do not have

cash

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Furthermore

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, using paper

money

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provides a sense of richness, independence, and satisfaction. People often feel that

money

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in a

bank

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is less tangible compared to physical

cash

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. Another reason paper

money

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is preferred is that it does not involve additional fees. Transactions through a

bank

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card may incur charges for messaging and online services, though these are relatively minor compared to the benefits provided.

Additionally

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, paying with

cash

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protects the customer's contact details, ID number, and profile. In conclusion,

although

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cash

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payments

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offer secure identity protection and no additional charges, I still consider

credit

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cards

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to be more convenient and beneficial

due to

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their superior security, saving opportunities, and promotional offers.

Witharana Senesh Rasinda WickramasingheThu Sep 12 2024

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coherence

Your essay has a logical structure and the arguments are systematically developed. However, you could improve coherence by using more transitional words and phrases to better connect your ideas and paragraphs.

task response

Although your response is almost complete and well-supported, you could further enhance it by discussing counterarguments more thoroughly and addressing them. This will show a more balanced perspective.

task response

The essay presents clear and comprehensive ideas that effectively respond to the question.

task response

Your main points are well-supported with relevant specific examples, which strengthens your argument.

coherence

The introduction and conclusion are present and effectively frame the essay, making the reader understand your main arguments and final opinion.

13
Linking words
meeting the goal of 7 or more
6
Word repetition
meeting the goal of 3 or fewer
1
Grammar mistakes
detected issues

0123456789.0505

Overall Band Score

Coherence and Cohesion: 7.0

Logical structure

Introduction & conclusion present

Supported main points

Accurate linking words

Variety in linking words

Lexical resource: 6.0

Varied vocabulary

Accurate spelling & word formation

Grammatical Range: 8.0

Mix of complex & simple sentences

Clear and correct grammar

Task Achievement: 7.0

Complete response

Clear & comprehensive ideas

Relevant & specific examples

Appropriate word count

4 paragraphs

326 words

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Topic Vocabulary:

convenience
security benefits
fraud and theft protection
credit score
financial products
rewards programs
cashback
budgeting
tracking expenses
overspend
debt accumulation
interest payments
universal acceptance
privacy
financial benefits

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