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Many people are using credit cards or loans to run up huge personal debts that they may be unable to repay. It should, therefore, be made more difficult for individuals to borrow large amounts of money. v.3

Many people are using credit cards or loans to run up huge personal debts that they may be unable to repay. It should, therefore, be made more difficult for individuals to borrow large amounts of money. v. 3
These days a lot of individuals are tending to use various kinds of banking services: ordering credit cards, opening bank accounts and loans of different personal purposes. Some people argue that banking operations should be more complicated for customers. It should be unreasonable to suggest it is partly fair to impose some obligations and restrictions on those who are in need of such services. To begin with, banks ought to inform people if they wish to lend a large quantity of money, they will be obligated to compensate a higher interest. All kinds of banking establishments have to make certain policies to avoid misunderstandings with customers and lessen uncomfortable situations related to using credit cards and loans. Therefore, representatives of above-mentioned institutions play a crucial role in explaining individuals about their rules. Workers have to forewarn of the consequences of disobeying the points of their rules, for instance, opening a criminal case. Banking establishments need to take into account personal factors of the members of society. There should exist different rules for various customers. The members which use the services of the bank for longer periods of time or who have obtained the premium type of card should not be limited in time for repaying debts. They have shown themselves as trustworthy customers and deserve to be treated accordingly. It will stand in good stead for the establishment as well. It will unquestionably add prestige because the bank trusts and values its clients. One could draw the conclusion that banking establishments have to take into consideration personal factors of the individuals when creating their policies. Credit cards and loans have to be provided by the bank with limitations for certain members.
These days
This phrase/word is too simple and can be replaced with:
a lot of
individuals are tending to
This phrase/word (depending on the context) can be potentially replaced with :
use
various kinds of
You use this word too often, consider replacing it with
banking
services: ordering credit
You use this word too often, consider replacing it with
cards
, opening
You use this word too often, consider replacing it with
bank
accounts and loans of
This phrase/word is too simple and can be replaced with:
different
personal purposes.
This phrase/word is too simple and can be replaced with:
Some
This phrase/word (depending on the context) can be potentially replaced with :
people
argue that
You use this word too often, consider replacing it with
banking
operations should be more complicated for
You use this word too often, consider replacing it with
customers
. It should be unreasonable to suggest it is partly
This phrase/word (depending on the context) can be potentially replaced with :
fair
to impose
This phrase/word is too simple and can be replaced with:
some
obligations and restrictions on those who are in need of such services.

To
This phrase/word (depending on the context) can be potentially replaced with :
begin
with,
You use this word too often, consider replacing it with
banks
ought to inform
This phrase/word (depending on the context) can be potentially replaced with :
people
if they wish to lend a large quantity of money, they will
be obligated
to compensate a higher interest. All kinds of
You use this word too often, consider replacing it with
banking
You use this word too often, consider replacing it with
establishments
This phrase/word is too simple and can be replaced with:
have to
This phrase/word (depending on the context) can be potentially replaced with :
make
certain policies to avoid misunderstandings with
You use this word too often, consider replacing it with
customers
and lessen uncomfortable situations related to using credit
You use this word too often, consider replacing it with
cards
and loans.
Therefore
, representatives of above-mentioned institutions play a crucial role in explaining individuals about their
This phrase/word (depending on the context) can be potentially replaced with :
rules
. Workers
This phrase/word is too simple and can be replaced with:
have to
forewarn of the consequences of disobeying the points of their
This phrase/word (depending on the context) can be potentially replaced with :
rules
,
for instance
, opening a criminal case.

Banking
You use this word too often, consider replacing it with
establishments
need to take into account personal factors of the members of society. There should exist
This phrase/word is too simple and can be replaced with:
different
This phrase/word (depending on the context) can be potentially replaced with :
rules
for various
You use this word too often, consider replacing it with
customers
. The members which
This phrase/word (depending on the context) can be potentially replaced with :
use
the services of the
You use this word too often, consider replacing it with
bank
for longer periods of time or who have obtained the premium type of
You use this word too often, consider replacing it with
card
should not
be limited
in time for repaying debts. They have shown themselves as trustworthy
You use this word too often, consider replacing it with
customers
and deserve to
be treated
accordingly
. It will stand in
This phrase/word (depending on the context) can be potentially replaced with :
good
stead for the
You use this word too often, consider replacing it with
establishment
as well
. It will
unquestionably
This phrase/word (depending on the context) can be potentially replaced with :
add
prestige
This phrase/word is too simple and can be replaced with:
because
the
You use this word too often, consider replacing it with
bank
trusts and values its clients.

One could draw the conclusion that
You use this word too often, consider replacing it with
banking
You use this word too often, consider replacing it with
establishments
This phrase/word is too simple and can be replaced with:
have to
take into consideration personal factors of the individuals when creating their policies. Credit
You use this word too often, consider replacing it with
cards
and loans
This phrase/word is too simple and can be replaced with:
have to
be provided
by the
You use this word too often, consider replacing it with
bank
with limitations for certain members.
6Linking words, meeting the goal of 7 or more
21Repeated words, meeting the goal of 3 or fewer
0Mistakes
Language is not a genetic gift, it is a social gift. Learning a new language is becoming a member of the club – the community of speakers of that language.
Frank Smith

IELTS essay Many people are using credit cards or loans to run up huge personal debts that they may be unable to repay. It should, therefore, be made more difficult for individuals to borrow large amounts of money. v. 3

Essay
  American English
4 paragraphs
281 words
6.0
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: 7.0
  • 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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