Nowadays, it is easier for young people to have a credit card compared to the past. Do the advantages of this trend outweigh the disadvantages?

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The conditions of having a

credit

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card

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have become more convenient for young people in recent years,

whereas

Linking Words

banks implemented very strict rules in the past.

While

Linking Words

there are some drawbacks, the upsides of promoting

credit

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cards to young individuals in an easy way,

such

Linking Words

as exclusive offers from supermarkets and online

shops

Punctuation problem

shops,

show examples

can far outweigh

its

Fix the agreement mistake

their

show examples

downsides,

such

Linking Words

as the risk of having huge financial debts.

This

Linking Words

essay will elaborate on both sides with relevant arguments and examples. On the one hand, some supermarket chains and online stores offer considerable discounts for

credit

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card

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users,

while

Linking Words

cash payers cannot access them. They collaborate with some global

card

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companies,

such

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as Visa and MasterCard, encouraging

card

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users to shop at their stores by decreasing their products' prices at a noticeable level. To illustrate, Costco, which is a well-known supermarket chain, provides significant discounts and payback options for Visa holders, which is particularly useful for students who cannot afford to buy expensive food at full price.

As a result

Linking Words

, these collaborations provide considerable price advantages for young adults when they use their

credit

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cards at

partnership

Replace the word

partner

stores.

On the other hand

Linking Words

, having financial freedom at a young age can lead to serious debt problems. Since they can easily obtain many

credit

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cards from different banks,

such

Linking Words

as RBC and TD, they spend too much money

due to

Linking Words

limited financial experience.

For instance

Linking Words

, banks provide a

credit

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card

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limit of 1,000 CAD, enabling young adults to spend

this

Linking Words

money without any restriction.

Thus

Linking Words

, they may spend their entire limit at once and face a serious debt problem. In conclusion,

although

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easily obtaining a

credit

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card

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has some disadvantages, I firmly maintain that

upsides

Correct article usage

the upsides

show examples

far outweigh the risk of serious debt because a

credit

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card

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provides an affordable shopping experience for young adults who have limited budgets.

mcdonaman

Aug 10, 2026

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task response

Your main view is clear, but the good side needs more support. Store deals can save money, but they may not be a strong enough reason to say that easy credit cards are more good than bad. Add a wider point, such as safe online pay, help in an urgent time, or a chance to build good money habits.

task response

Be more careful with the idea that card users can buy food they cannot pay for. A credit card does not make food truly low cost; the money must still be paid back, and extra charges may make it cost more later. Explain when the deal is useful and when it is not.

task response

The bad side is clear, but you can make it more full. Say what may happen after a young person spends all the money: late pay fees, extra interest, stress, and a poor credit record. This will make your point more real.

task response

Your examples are on topic, but some are too exact and not fully explained. The Costco, Visa, RBC, and TD examples work best if you clearly show how they prove your point, rather than only naming them.

coherence and cohesion

Use links in a more natural way. You use words like 'On the one hand', 'On the other hand', 'For instance', and 'Thus' well, but some sentences can join more smoothly. For example, explain the cause, then the result, in the same order.

coherence and cohesion

Some long sentences have too many ideas. Split them into shorter sentences so the meaning is clearer. For example, the first sentence can be made into two sentences: one about easier access and one about your view.

coherence and cohesion

Keep the key words the same. You use 'young people', 'young individuals', 'young adults', and 'students'. Choose one main term, such as 'young people', and use it through the essay unless you need a different group.

coherence and cohesion

The ending repeats your view well, but it should sum up both main points more clearly. State that debt is a real risk, then explain why the wider good points still matter more.

task response

You give a clear view from the start: the good points are stronger than the bad points. You also cover both sides and give an example for each main idea.

coherence and cohesion

Your essay has a clear four-part shape: opening, one good point, one bad point, and ending. Each body paragraph has one main idea, so it is easy to follow.

Include an introduction and conclusion

A conclusion is essential for IELTS writing task 2. It is more important than most people realise. You will be penalised for missing a conclusion in your IELTS essay.

The easiest paragraph to write in an essay is the conclusion paragraph. This is because the paragraph mostly contains information that has already been presented in the essay – it is just the repetition of some information written in the introduction paragraph and supporting paragraphs.

The conclusion paragraph only has 3 sentences:

Summary
Restatement of thesis
Prediction or recommendation

Example:

To summarize, a robotic teacher does not have the necessary disciple to properly give instructions to students and actually works to retard the ability of a student to comprehend new lessons. Therefore, it is clear that the idea of running a classroom completely by a machine cannot be supported. After thorough analysis on this subject, it is predicted that the adverse effects of the debate over technology-driven teaching will always be greater than the positive effects, and because of this, classroom teachers will never be substituted for technology.

Start your conclusion with a linking phrase. Here are some examples:

In conclusion
To conclude
To summarize
Finally
In a nutshell
In general

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10
Linking words
meeting the goal of 7 or more
2
Word repetition
meeting the goal of 3 or fewer
4
Grammar mistakes
detected issues

0123456789.0505

Overall Band Score

Coherence and Cohesion: 6.0

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: 6.0

Mix of complex & simple sentences

Clear and correct grammar

Task Achievement: 6.0

Complete response

Clear & comprehensive ideas

Relevant & specific examples

Appropriate word count

4 paragraphs

303 words

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Nowadays, it is easier for young people to have a credit card compared to the past. Do the advantages of this trend outweigh the disadvantages?

Do you believe that professional athletes make good role models for young people? Support your opinion with reasons and examples from your own knowledge-edge or experience.

Some people think that a sense of competition in children should be encouraged. Others believe that children who are taught to cooperate rather than compete become more useful adults. Discuss both views and give your own opinion.

In the developed world, average life expectancy is increasing. What problems will this cause for individuals and society? Suggest some measures that could be taken to reduce the impact of ageing populations.

Today our communications, medicine and transport systems all depend on computer technology. Our reliance on computer technology in these fields has created a dangerous situation. To what extent do you agree or disagree with this statement?