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Many Individuals are unable to pay the dues on time because of unplanned and excess usage of credit card. I strongly believe that banks should check individual’s financial history and issue to those who can pay on time.

Many Individuals are unable to pay the dues on time because of unplanned and excess usage of credit card. I strongly believe that banks should check individual’s financial history and issue to those who can pay on time. pLjLy
Firstly, it is human tendency to shop easily using the credit card, without thinking the future financial situation. Mostly, people get attracted to offers and benefits provided by the bank to the card users and this leads to more spending. Moreover, people can withdraw the money from the ATM’s for their personnel or emergency usage but with higher rate of interests. However, if people fail to pay the dues on time, higher rate of interest will be charged which leads to more debt. Recently, one of my friends bought bike by using credit card without thinking of financial situation, he was unable to pay the instalments, which led him to pay the due with high rate of interest. On the other hand, banks should check the financial status of an individual before issuing the credit card. Bank must check last 6 months revenue stream and payslips of the applicant to know his income source. Also, bank have to check credit history to know the past records of customer. This will help to set the credit limit of the respective person. For instance, I went to issue the credit card of co-operative bank, it was easily issued without checking my documents. If bank continues to issue the credit card in this way, then definitely this will lead bank to increased number defaulters. To sum up, though there are users who would spend carelessly, but bank must check documents strictly to avoid economic instability.
Firstly
, it
Please check whether an article is missing: "is a human" or "is an human"
is human
tendency to shop
easily
using the
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
, without thinking the future financial situation.
Mostly
,
This phrase/word (depending on the context) can be potentially replaced with :
people
This phrase/word (depending on the context) can be potentially replaced with :
get
attracted to offers and benefits provided by the
You use this word too often, consider replacing it with
bank
to the
You use this word too often, consider replacing it with
card
users and this leads to more spending.
Moreover
,
This phrase/word (depending on the context) can be potentially replaced with :
people
can withdraw the money from the ATM’s for their personnel or emergency usage
This phrase/word is too simple and can be replaced with:
but
with higher rate of interests.
However
, if
This phrase/word (depending on the context) can be potentially replaced with :
people
fail to pay the dues on time, higher rate of interest will
be charged
which leads to more debt. Recently, one of my friends
This phrase/word (depending on the context) can be potentially replaced with :
bought
bike by using
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
without thinking of financial situation, he was unable to pay the
Possible spelling mistake. 'instalments' is British English.
instalments
, which led him to pay the due with high rate of interest.

On the other hand
,
You use this word too often, consider replacing it with
banks
should
You use this word too often, consider replacing it with
check
the financial status of an individual
This phrase/word is too simple and can be replaced with:
before
issuing the
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
.
You use this word too often, consider replacing it with
Bank
This phrase/word (depending on the context) can be potentially replaced with :
must
You use this word too often, consider replacing it with
check
last 6 months revenue stream and payslips of the applicant to know his income source.
Also
,
You use this word too often, consider replacing it with
bank
This phrase/word is too simple and can be replaced with:
have to
You use this word too often, consider replacing it with
check
You use this word too often, consider replacing it with
credit
history to know the past records of customer. This will
This phrase/word (depending on the context) can be potentially replaced with :
help
to set the
You use this word too often, consider replacing it with
credit
limit of the respective person.
For instance
, I went to issue the
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
of co-operative
You use this word too often, consider replacing it with
bank
, it was
easily
issued without checking my documents. If
You use this word too often, consider replacing it with
bank
continues to issue the
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
in this way, then definitely this will lead
You use this word too often, consider replacing it with
bank
to increased number defaulters.

To sum up, though there are users who would spend
carelessly
,
This phrase/word is too simple and can be replaced with:
but
You use this word too often, consider replacing it with
bank
This phrase/word (depending on the context) can be potentially replaced with :
must
You use this word too often, consider replacing it with
check
documents
strictly
to avoid economic instability.
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IELTS essay Many Individuals are unable to pay the dues on time because of unplanned and excess usage of credit card. I strongly believe that banks should check individual’s financial history and issue to those who can pay on time.

Essay
  American English
3 paragraphs
242 words
This writing has been penalized,
text can't be
less than 250 words in Task 2
and less than 150 words in Task 1
5.0
Overall Band Score
Coherence and Cohesion: 5.5
  • 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: 6.5
  • Answer all parts of the question
  • ?
    Present relevant ideas
  • Fully explain these ideas
  • Support ideas with relevant, specific examples
Labels Descriptions
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