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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? J9B6
It is irrefutable, that nowadays many people use credit card and enjoy many benefits nevertheless, there are also some people who face trouble when they are unable to return money. In my point of view, I believe there are a lot of advantages of credit card however, it also has some drawbacks but, those are negligible, which can be tackled 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. Such as credit card becomes a boon for lower income group at times of emergency medical expenses. Moreover, responsibility of timely credit card payments will prevent people from making any immaterial expenses. Additionally, many middle-class people could buy some equipment with credit card and start small businesses like Xerox and camera operators. On the other hand, there are also a few drawbacks. Firstly, someone who cannot pay installment of credit card because of unexpected emergency expenses, may face trouble. Secondly, some people purchase lot of things from credit card on hope of upcoming benefits. But, unfortunately when they do not receive expected amount, they face huge loss from credit card companies leading to emotional trauma or financial crisis. In gist, if people use credit card within their budget, then it may prove very useful hence, I believe, benefit of credit cards far outweighs 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 when they are unable to return money. In my point of view, I believe there are
This phrase/word is too simple and can be replaced with:
a 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
has
This phrase/word is too simple and can be replaced with:
some
drawbacks
This phrase/word is too simple and can be replaced with:
but
, those are negligible, which can
be tackled
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 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. Such as
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
becomes a boon for lower income group at times of emergency medical expenses.
Moreover
, responsibility of timely
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
payments will
This phrase/word (depending on the context) can be potentially replaced with :
prevent
You use this word too often, consider replacing it with
people
from making any immaterial expenses.
Additionally
,
This phrase/word is too simple and can be replaced with:
many
middle-
This phrase/word (depending on the context) can be potentially replaced with :
class
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
equipment 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
a few drawbacks.
Firstly
, someone who cannot 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 unexpected 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 hope 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
, unfortunately when they do not receive
This phrase/word (depending on the context) can be potentially replaced with :
expected
amount, they face huge loss 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
leading to emotional trauma or financial crisis.

In gist, if
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
within 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
far outweighs 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
235 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: 6.0
  • Answer all parts of the question
  • ?
    Present relevant ideas
  • Fully explain these ideas
  • Support ideas with relevant, specific examples
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