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Many people are in debt due to overuse and irresponsible utilization of credit cards. Banks should completely check the credit bearing capacity of a person i

Many people are in debt due to overuse and irresponsible utilization of credit cards. Banks should completely check the credit bearing capacity of a person i Vlxr3
Many people are in debt due to overuse and irresponsible utilization of credit cards. Banks should completely check the credit bearing capacity of a person in detail before issuing a credit card. In my opinion, I completely agree with this thought. Moreover, I believe that banks should run educational programs on how to use the credit facilities. Calculating credit bearing capacity of a person is very difficult as the income of a person keeps on changing, but in today’s situation almost all young individuals are in a debt trap of credit cards and to get away from high interest rates and vicious circle of credit, they often take loans to pay off the cards. Still the demand for these facilities is on rise as many people use these credit facility to push their limits and buy things which are out of their capacity. Moreover, a greater problem comes when people are not aware of how to use the credit facility in the first place to the best of our advantage. As many a times people end up spending irrationally as the spending through the card is encouraged by banks and also these cards are widely acceptable at almost all the places. Hence the temptation to use the plastic money increases many folds. In a nutshell, using a credit card has led youth in the debt trap since the inception of their careers, hence banks should take initiatives to educate people about responsible and appropriate use of this credit facility. Moreover, a thorough check should be made about the buying capacity of a person before issuing credit facility.
This phrase/word is too simple and can be replaced with:
Many
You use this word too often, consider replacing it with
people
are in debt due to overuse and irresponsible utilization of
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
.
You use this word too often, consider replacing it with
Banks
should completely
This phrase/word (depending on the context) can be potentially replaced with :
check
the
You use this word too often, consider replacing it with
credit
bearing capacity of a
You use this word too often, consider replacing it with
person
in detail
This phrase/word is too simple and can be replaced with:
before
issuing a
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
. In my opinion, I completely
This phrase/word (depending on the context) can be potentially replaced with :
agree
with this
This phrase/word (depending on the context) can be potentially replaced with :
thought
.
Moreover
, I believe that
You use this word too often, consider replacing it with
banks
should run educational programs on how to
This phrase/word (depending on the context) can be potentially replaced with :
use
the
You use this word too often, consider replacing it with
credit
facilities.

Calculating
You use this word too often, consider replacing it with
credit
bearing capacity of a
You use this word too often, consider replacing it with
person
is
This phrase/word is too simple and can be replaced with:
very
difficult as the income of a
You use this word too often, consider replacing it with
person
This phrase/word (depending on the context) can be potentially replaced with :
keeps
on changing,
This phrase/word is too simple and can be replaced with:
but
in
This phrase/word (depending on the context) can be potentially replaced with :
today
’s situation almost all young individuals are in a debt trap of
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
and to
This phrase/word (depending on the context) can be potentially replaced with :
get
away from high interest rates and vicious circle of
You use this word too often, consider replacing it with
credit
, they
This phrase/word is too simple and can be replaced with:
often
take loans to pay off the
You use this word too often, consider replacing it with
cards
.
Did you forget a comma after a conjunctive/linking adverb?
Still
the demand for these facilities is on rise as
This phrase/word is too simple and can be replaced with:
many
You use this word too often, consider replacing it with
people
This phrase/word (depending on the context) can be potentially replaced with :
use
these
You use this word too often, consider replacing it with
credit
facility to push their limits and
This phrase/word (depending on the context) can be potentially replaced with :
buy
things which are out of their capacity.

Moreover
, a greater problem
This phrase/word (depending on the context) can be potentially replaced with :
comes
when
You use this word too often, consider replacing it with
people
are not aware of how to
This phrase/word (depending on the context) can be potentially replaced with :
use
the
You use this word too often, consider replacing it with
credit
facility in the
first
place to the best of our advantage. As
This phrase/word is too simple and can be replaced with:
many
a times
You use this word too often, consider replacing it with
people
This phrase/word (depending on the context) can be potentially replaced with :
end
up spending
irrationally
as the spending through the
You use this word too often, consider replacing it with
card
is encouraged
by
You use this word too often, consider replacing it with
banks
and
also
these
You use this word too often, consider replacing it with
cards
are
widely
acceptable at almost all the places.
Did you forget a comma after a conjunctive/linking adverb?
Hence
the temptation to
This phrase/word (depending on the context) can be potentially replaced with :
use
the plastic money increases
This phrase/word is too simple and can be replaced with:
many
folds.

In a nutshell, using a
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
has led youth in the debt trap since the inception of their careers,
hence
You use this word too often, consider replacing it with
banks
should take initiatives to educate
You use this word too often, consider replacing it with
people
about responsible and appropriate
This phrase/word (depending on the context) can be potentially replaced with :
use
of this
You use this word too often, consider replacing it with
credit
facility.
Moreover
, a thorough
This phrase/word (depending on the context) can be potentially replaced with :
check
should
be made
about the buying capacity of a
You use this word too often, consider replacing it with
person
This phrase/word is too simple and can be replaced with:
before
issuing
You use this word too often, consider replacing it with
credit
facility.
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IELTS essay Many people are in debt due to overuse and irresponsible utilization of credit cards. Banks should completely check the credit bearing capacity of a person i

Essay
  American English
4 paragraphs
267 words
5.5
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: 6.0
  • Use a variety of complex and simple sentences
  • Check your writing for errors
Task Achievement: 5.5
  • 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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