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Now a days it is easy to apply for and be given a credit card. However, some people experience problem when they are not able to pay their debts back. In your opinion, do the advantages of credit cards outweigh the disadvantages?

Now a days it is easy to apply for and be given a credit card. However, some people experience problem when they are not able to pay their debts back. In your opinion, do the advantages of credit cards outweigh the disadvantages? DnXE
It is irrefutable, that nowadays many people use credit card and enjoy many benefits nevertheless, there are also some people who face trouble while they unable to return amount. In my point of view, I believe there are lot of advantages of credit card however, it also lead some detrimental ways but, those are negligible, which can be tackle with proper awareness. There are definite benefits of credit card. To begin with, it is one type of boon in arduous time for some people who have limited fix salary. As per one survey, some time while some limited salary employees get emergency expenses like, medical. In this situation, before the salary period they can't have money to buy goods for daily needs, in this time this credit car become boon for those. Furthermore, credit card also useful to control on immaterial expenses. As an instance, form the saving amount many people expense money for enjoying party but while people have responsibility to pay installment in credit card companies, they can save amount. Moreover, credit card adequate us to use any objects in advance before our financial capacity, as well as many middleclass people could buy some instruments with credit card and start small businesses. Like xerox and camera operators. On the other hand, there are also few draw backs. Firstly, some one who can not pay installment of credit card because of unwanted emergency expenses, may face trouble. Secondly, some people purchase lot of things from credit card on prediction of upcoming benefits. But, unusually while they can't get predicted amount, they face huge lose from credit card companies and at time they choose suicide way. In gist, if people us credit card in limit of their budget, then it may prove very useful hence, I believe, benefit of credit cards really overweigh its drawbacks.
It is irrefutable, that nowadays
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
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
and enjoy
This phrase/word is too simple and can be replaced with:
many
You use this word too often, consider replacing it with
benefits
nevertheless
, there are
also
This phrase/word is too simple and can be replaced with:
some
You use this word too often, consider replacing it with
people
who face trouble while
Did you mean "they are" or "they were"?
they
unable to return
You use this word too often, consider replacing it with
amount
. In my point of view, I believe there are
It seems that an article is missing.
lot of
advantages of
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
however
, it
also
Did you mean "leads"?
lead
This phrase/word is too simple and can be replaced with:
some
detrimental ways
This phrase/word is too simple and can be replaced with:
but
, those are negligible, which can be tackle with proper awareness.

There are
This phrase/word is too simple and can be replaced with:
definite
You use this word too often, consider replacing it with
benefits
of
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
. To
This phrase/word (depending on the context) can be potentially replaced with :
begin
with, it is one type of boon in arduous
You use this word too often, consider replacing it with
time
for
This phrase/word is too simple and can be replaced with:
some
You use this word too often, consider replacing it with
people
who have limited
This phrase/word (depending on the context) can be potentially replaced with :
fix
salary. As per one survey,
This phrase/word is too simple and can be replaced with:
some
You use this word too often, consider replacing it with
time
while
This phrase/word is too simple and can be replaced with:
some
limited salary employees
This phrase/word (depending on the context) can be potentially replaced with :
get
emergency expenses like, medical. In this situation,
This phrase/word is too simple and can be replaced with:
before
the salary period they can't have money to
This phrase/word (depending on the context) can be potentially replaced with :
buy
This phrase/word (depending on the context) can be potentially replaced with :
goods
for daily needs, in this
You use this word too often, consider replacing it with
time
this
You use this word too often, consider replacing it with
credit
car become boon for those.
Furthermore
,
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
also
useful to control on immaterial expenses. As an instance, form the saving
You use this word too often, consider replacing it with
amount
This phrase/word is too simple and can be replaced with:
many
You use this word too often, consider replacing it with
people
You use this word too often, consider replacing it with
expense
money for enjoying party
This phrase/word is too simple and can be replaced with:
but
while
You use this word too often, consider replacing it with
people
have responsibility to pay installment in
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 :
companies
, they can save
You use this word too often, consider replacing it with
amount
.
Moreover
,
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credit
You use this word too often, consider replacing it with
card
adequate us to
This phrase/word (depending on the context) can be potentially replaced with :
use
any objects in advance
This phrase/word is too simple and can be replaced with:
before
our financial capacity,
as well
as
This phrase/word is too simple and can be replaced with:
many
Possible spelling mistake found.
middleclass
You use this word too often, consider replacing it with
people
could
This phrase/word (depending on the context) can be potentially replaced with :
buy
This phrase/word is too simple and can be replaced with:
some
instruments with
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 :
start
This phrase/word is too simple and can be replaced with:
small
businesses. Like xerox and camera operators.

On the other hand
, there are
also
few draw backs.
Firstly
,
Did you mean "someone"?
some one
who can not pay installment of
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 is too simple and can be replaced with:
because
of unwanted emergency expenses, may face trouble.
Secondly
,
This phrase/word is too simple and can be replaced with:
some
You use this word too often, consider replacing it with
people
This phrase/word (depending on the context) can be potentially replaced with :
purchase
lot of things from
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
on prediction of upcoming
You use this word too often, consider replacing it with
benefits
.
This phrase/word is too simple and can be replaced with:
But
,
unusually
while they can't
This phrase/word (depending on the context) can be potentially replaced with :
get
predicted
You use this word too often, consider replacing it with
amount
, they face huge lose from
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 :
companies
and at
You use this word too often, consider replacing it with
time
they choose suicide way.

In gist, if
You use this word too often, consider replacing it with
people
us
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
in limit of their budget, then it may prove
This phrase/word is too simple and can be replaced with:
very
useful
hence
, I believe,
You use this word too often, consider replacing it with
benefit
of
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
really
Possible spelling mistake found.
overweigh
its drawbacks.
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IELTS essay Now a days it is easy to apply for and be given a credit card. However, some people experience problem when they are not able to pay their debts back. In your opinion, do the advantages of credit cards outweigh the disadvantages?

Essay
  American English
4 paragraphs
305 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: 5.0
  • 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: 5.0
  • Answer all parts of the question
  • ?
    Present relevant ideas
  • Fully explain these ideas
  • Support ideas with relevant, specific examples
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