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Credit Card Advantages and Disadvantages

Credit Card Advantages and Disadvantages BMl2m
Credit card or plastic money is the latest phenomenon and offer a very efficient way to do transactions without handling the actual money. Therefore, it appears to many people that coins and paper money will be replaced by the plastic money in the foreseeable future. While the credit card offers a risk-free and convenient way of shopping or making any transactions, it has its demerits like becoming defaulter to the bank. My belief is that credit cards have far more advantages than the disadvantages it offers. First, credit card allows people to take credit from the bank and purchase their necessity from shops. From this perspective, it offers a great economic freedom to people. Online shopping or e-commerce business has become so popular because of the online credit card transaction facilities. Many small online shops can run their business and get payment instantly only because of the innovation of credit card and online payment. Second, credit card provides financial back up in emergency cases such as a health scare and job loss. If an individual needs monetary support instantly then the credit card service is a huge relief to them because it provides money without any additional paperwork. Third, the credit card is easy to carry and possess little risk of robbery and pickpocket. The security system of a credit card makes it virtually impossible for a thief to steal someone’s credit card and use it. On the contrary, carrying a large sum of money is quite risky. From this regards, plastic money or better known as the credit card has made it possible to do hassle free transactions. There are some disadvantages as well. Credit card users are often in deficit due to overspending. As the credit card provides instant money to the cardholder, they can purchase products and avail of services which are out of their budget. Banks should never grant credit cards to people with bad credit records or to someone who does not have an economic stability to actually afford it. To conclude, every technology has some negative aspects and that does not make the technology bad itself. Bank authority should make strict rules about allowing credit cards to someone, and people should be more frugal when spending money, they are obliged to return. a credit card is in demand because of its easy and convenient use. In my opinion, access to a credit card can be a positive development as long as one uses it responsibly
You use this word too often, consider replacing it with
Credit
You use this word too often, consider replacing it with
card
or plastic
You use this word too often, consider replacing it with
money
is the latest phenomenon and offer a
This phrase/word is too simple and can be replaced with:
very
efficient way to do transactions without handling the actual
You use this word too often, consider replacing it with
money
.
Therefore
, it appears to
This phrase/word is too simple and can be replaced with:
many
You use this word too often, consider replacing it with
people
that coins and paper
You use this word too often, consider replacing it with
money
will
be replaced
by the plastic
You use this word too often, consider replacing it with
money
in the foreseeable future. While the
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
offers a
This phrase/word (depending on the context) can be potentially replaced with :
risk
-free and convenient way of shopping or making any transactions, it has its demerits like becoming defaulter to the
You use this word too often, consider replacing it with
bank
. My belief is that
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
have far more advantages than the disadvantages it offers.

First
,
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
This phrase/word (depending on the context) can be potentially replaced with :
allows
You use this word too often, consider replacing it with
people
to take
You use this word too often, consider replacing it with
credit
from the
You use this word too often, consider replacing it with
bank
and
This phrase/word (depending on the context) can be potentially replaced with :
purchase
their necessity from shops. From this perspective, it offers
Uncountable nouns are usually not used with an indefinite article. Use simply "great economic freedom".
a great economic freedom
to
You use this word too often, consider replacing it with
people
.
You use this word too often, consider replacing it with
Online
shopping or e-commerce business has become
This phrase/word is too simple and can be replaced with:
so
popular
This phrase/word is too simple and can be replaced with:
because
of the
You use this word too often, consider replacing it with
online
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
transaction facilities.
This phrase/word is too simple and can be replaced with:
Many
This phrase/word is too simple and can be replaced with:
small
You use this word too often, consider replacing it with
online
shops can run their business and
This phrase/word (depending on the context) can be potentially replaced with :
get
payment
instantly
This phrase/word (depending on the context) can be potentially replaced with :
only
This phrase/word is too simple and can be replaced with:
because
of the innovation of
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
and
You use this word too often, consider replacing it with
online
payment.

Second,
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
provides financial back up in emergency cases such as a health scare and job loss. If an individual needs monetary support
instantly
then the
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
service is a huge relief to them
This phrase/word is too simple and can be replaced with:
because
it provides
You use this word too often, consider replacing it with
money
without any additional paperwork.

Third, the
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
is easy to carry and possess
This phrase/word is too simple and can be replaced with:
little
This phrase/word (depending on the context) can be potentially replaced with :
risk
of robbery and pickpocket. The security system of a
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
This phrase/word (depending on the context) can be potentially replaced with :
makes
it
virtually
impossible for a thief to steal someone’s
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
and
This phrase/word (depending on the context) can be potentially replaced with :
use
it.
On the contrary
, carrying a large sum of
You use this word too often, consider replacing it with
money
is quite risky. From
Did you mean "these"?
this
regards, plastic
You use this word too often, consider replacing it with
money
or better known as the
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
has made it possible to do hassle free transactions.

There are
This phrase/word is too simple and can be replaced with:
some
disadvantages
as well
.
You use this word too often, consider replacing it with
Credit
You use this word too often, consider replacing it with
card
users are
This phrase/word is too simple and can be replaced with:
often
in deficit due to overspending. As the
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
provides instant
You use this word too often, consider replacing it with
money
to the cardholder, they can
This phrase/word (depending on the context) can be potentially replaced with :
purchase
products and avail of services which are out of their budget.
You use this word too often, consider replacing it with
Banks
should never grant
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
to
You use this word too often, consider replacing it with
people
with
This phrase/word (depending on the context) can be potentially replaced with :
bad
You use this word too often, consider replacing it with
credit
records or to someone who does not have an economic stability to actually afford it.

To conclude
, every technology has
This phrase/word is too simple and can be replaced with:
some
This phrase/word is too simple and can be replaced with:
negative
aspects and that does not
This phrase/word (depending on the context) can be potentially replaced with :
make
the technology
This phrase/word (depending on the context) can be potentially replaced with :
bad
itself.
You use this word too often, consider replacing it with
Bank
authority should
This phrase/word (depending on the context) can be potentially replaced with :
make
strict
This phrase/word (depending on the context) can be potentially replaced with :
rules
about allowing
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
to someone, and
You use this word too often, consider replacing it with
people
should be more frugal when spending
You use this word too often, consider replacing it with
money
, they
are obliged
to return.
This sentence does not start with an uppercase letter
a
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
is in demand
This phrase/word is too simple and can be replaced with:
because
of its easy and convenient
This phrase/word (depending on the context) can be potentially replaced with :
use
. In my opinion, access to a
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
can be a
This phrase/word is too simple and can be replaced with:
positive
development as long as one
This phrase/word (depending on the context) can be potentially replaced with :
uses
it
Please add a punctuation mark at the end of paragraph
responsibly
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IELTS essay Credit Card Advantages and Disadvantages

Essay
  American English
6 paragraphs
410 words
5.5
Overall Band Score
Coherence and Cohesion: 5.0
  • Structure your answers in logical paragraphs
  • ?
    One main idea per paragraph
  • Include an introduction and conclusion
  • Support main points with an explanation and then an example
  • Use cohesive linking words accurately and appropriately
  • Vary your linking phrases using synonyms
Lexical Resource: 5.5
  • Try to vary your vocabulary using accurate synonyms
  • Use less common question specific words that accurately convey meaning
  • Check your work for spelling and word formation mistakes
Grammatical Range: 6.5
  • Use a variety of complex and simple sentences
  • Check your writing for errors
Task Achievement: 5.0
  • Answer all parts of the question
  • ?
    Present relevant ideas
  • Fully explain these ideas
  • Support ideas with relevant, specific examples
Labels Descriptions
  • ?
    Currently is not available
  • Meet the criteria
  • Doesn't meet the criteria
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