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Nowadays, a lot of people use credit cards for online shopping. Do the advantages outweigh the disadvantages? v.1

Nowadays, a lot of people use credit cards for online shopping. Do the advantages outweigh the disadvantages? v. 1
The use of plastic money is blossoming among many people throughout the world. I believe it to be extremely disadvantageous, not only because of identity theft, but also because of spending beyond anyone’s means which is difficult to pay back. This essay will explore how these mega drawbacks have the potential to outshine any benefit. There are multiple disadvantages of credit card usage for e-commerce. Firstly, a major drawback associated with this development is that hackers hack the personal information of the users. Cybercriminals assume fake identities and deliberately use the stolen information to gain financial benefits. Take an example of India, where the number of credit card fraud victims is burgeoning due to the theft of personal information. Thus, the drawback of information theft clearly overshadows any benefit. Secondly, another major flaw related to the use of the electronic payment system is the increase of debt upon the people. Many people land in a lot of debt, which became difficult for them to return because they keep on buying unwanted things without thinking of the repercussions. For instance, the American Bank has recently released a list of defaulters, who does not return their money used by credit cards and sentenced to the penitentiary. Hence, this benefit can almost single-handedly undermine any advantage. However, the only minor advantage I can relate to online payment is convenience, but this benefit is extremely rare and elusive because using the credit card for bill payment contains a lot of risks, due to the fact that sharing personal information is more likely to be misused by hackers. To sum up, I believe that the disadvantages of using card money for shopping in terms of cyber-crimes and have the potential to outshine any advantage of ease it brings.
The
use
of plastic money is blossoming among
many
people
throughout the world. I believe it to be
extremely
disadvantageous, not
only
because
of identity theft,
but
also
because
of spending beyond anyone’s means which is difficult to pay back. This essay will explore how these mega drawbacks have the potential to outshine any benefit.

There are multiple disadvantages of
credit
card
usage for e-commerce.
Firstly
, a major drawback associated with this development is that hackers hack the personal
information
of the users. Cybercriminals assume fake identities and
deliberately
use
the stolen
information
to gain financial benefits. Take an example of India, where the number of
credit
card
fraud victims is burgeoning due to the theft of personal
information
.
Thus
, the drawback of
information
theft
clearly
overshadows any benefit.

Secondly
, another major flaw related to the
use
of the electronic payment system is the increase of debt upon the
people
.
Many
people
land in
a lot of
debt, which became difficult for them to return
because
they
keep
on buying unwanted things without thinking of the repercussions.
For instance
, the American Bank has recently released a list of defaulters, who does not return their money
used
by
credit
cards
and sentenced to the penitentiary.
Hence
, this benefit can almost single-
handedly
undermine any advantage.

However
, the
only
minor advantage I can relate to online payment is convenience,
but
this benefit is
extremely
rare and elusive
because
using the
credit
card
for bill payment contains
a lot of
risks
, due to the fact that sharing personal
information
is more likely to
be misused
by hackers.

To sum up, I believe that the disadvantages of using
card
money for shopping in terms of cyber-crimes and have the potential to outshine any advantage of
ease
it brings.
9Linking words, meeting the goal of 7 or more
14Repeated words, meeting the goal of 3 or fewer
0Mistakes

IELTS essay Nowadays, a lot of people use credit cards for online shopping. Do the advantages outweigh the disadvantages? v. 1

Essay
  American English
5 paragraphs
293 words
6.5
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: 6.5
  • 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
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    Currently is not available
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