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Nowadays it is easy to apply for and be given a credit card. However, some people experience problems when they are not able to pay their debts back. v.2

Nowadays it is easy to apply for and be given a credit card. However, some people experience problems when they are not able to pay their debts back. v. 2
Credit card or plastic money is the latest phenomenon and offer a very efficient way to do transactions without handling the actual money. The booming of banking sectors in recent years, on the other hand, has made it possible to apply for and get a credit card easily than ever before. While the credit card offers a risk-free and convenient way of shopping or making any transactions, it has its demerits like becoming defaulter to the bank. My belief is that credit cards have far more advantages than the disadvantages it offers. Initially, the credit card is easy to carry and possess little risk of robbery and pickpocket. The security system of a credit card makes it virtually impossible for a thief to steal someone’s credit card and use it. On the contrary, carrying a large sum of money is quite risky. From this regards, plastic money or better known as the credit card has made it possible to do hassle free transactions. Secondly, by nature credit cards allows people to take credit from the bank and purchase their necessity from shops. From this perspective, it offers a great economic freedom to people. Online shopping or e-commerce business has become so popular because of the online credit card transaction facilities. Many small online shops can run their business and get payment instantly only because of the innovation of credit card and online payment. A shop owner is no longer doing local business and his customers are coming from every corner of the world and thanks to the credit card for making this happen. Finally, the credit card allows banks to mobilise the money and this is quite an important aspect of the economic growth of a country. Think about the millions of transactions happening every hour via credit cards and its impact on mobilising the money and that would allow you to fully appreciate the importance of credit card in the global economy. Undeniably there are some disadvantages of credit cards especially when people cannot repay the amount they have already spent or when they are hacked. However, this cannot degrade the usefulness of plastic money in the modern era. Banks should never grant credit cards to people with bad credit records or to someone who does not have an economic stability to actually afford it. In fact, the credit limit imposed on every credit card actually does restrain people from being extravagant and become a bad creditor. In conclusion, every technology has some negative aspects and that does not make the technology bad itself. Bank authority should make strict rules about allowing credit cards to someone, and people should be more frugal when spending money they are obliged to return. Credit cards have so many advantages that make our life easier while the negative impacts could easily be controlled.
You use this word too often, consider replacing it with
Credit
You use this word too often, consider replacing it with
card
or plastic
You use this word too often, consider replacing it with
money
is the latest phenomenon and offer a
This phrase/word is too simple and can be replaced with:
very
efficient way to do
You use this word too often, consider replacing it with
transactions
without handling the actual
You use this word too often, consider replacing it with
money
. The booming of banking sectors in recent years,
on the other hand
, has made it possible to apply for and
This phrase/word (depending on the context) can be potentially replaced with :
get
a
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
easily
than ever
This phrase/word is too simple and can be replaced with:
before
. While the
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
offers a
This phrase/word (depending on the context) can be potentially replaced with :
risk
-free and convenient way of shopping or making any
You use this word too often, consider replacing it with
transactions
, it has its demerits like becoming defaulter to the
You use this word too often, consider replacing it with
bank
. My belief is that
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
have far more advantages than the disadvantages it offers.

Initially
, the
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
is easy to carry and possess
This phrase/word is too simple and can be replaced with:
little
This phrase/word (depending on the context) can be potentially replaced with :
risk
of robbery and pickpocket. The security system of a
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
You use this word too often, consider replacing it with
makes
it
virtually
impossible for a thief to steal someone’s
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 :
use
it.
On the contrary
, carrying a large sum of
You use this word too often, consider replacing it with
money
is quite risky. From
Did you mean "these"?
this
regards, plastic
You use this word too often, consider replacing it with
money
or better known as the
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
has made it possible to do hassle free transactions.

Secondly
, by nature
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
This phrase/word (depending on the context) can be potentially replaced with :
allows
You use this word too often, consider replacing it with
people
to take
You use this word too often, consider replacing it with
credit
from the
You use this word too often, consider replacing it with
bank
and
This phrase/word (depending on the context) can be potentially replaced with :
purchase
their necessity from shops. From this perspective, it offers
Uncountable nouns are usually not used with an indefinite article. Use simply "great economic freedom".
a great economic freedom
to
You use this word too often, consider replacing it with
people
.
You use this word too often, consider replacing it with
Online
shopping or e-commerce business has become
This phrase/word is too simple and can be replaced with:
so
popular
This phrase/word is too simple and can be replaced with:
because
of the
You use this word too often, consider replacing it with
online
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
You use this word too often, consider replacing it with
transaction
facilities.
This phrase/word is too simple and can be replaced with:
Many
This phrase/word is too simple and can be replaced with:
small
You use this word too often, consider replacing it with
online
shops can run their business and
This phrase/word (depending on the context) can be potentially replaced with :
get
payment
instantly
This phrase/word (depending on the context) can be potentially replaced with :
only
This phrase/word is too simple and can be replaced with:
because
of the innovation of
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
and
You use this word too often, consider replacing it with
online
payment. A shop owner is no longer doing local business and his customers are coming from every corner of the world and thanks to the
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
for making this happen.

Finally
, the
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 :
allows
You use this word too often, consider replacing it with
banks
to
Possible spelling mistake. 'mobilise' is British English.
mobilise
the
You use this word too often, consider replacing it with
money
and this is quite an
This phrase/word is too simple and can be replaced with:
important
aspect of the economic growth of a country.
This phrase/word (depending on the context) can be potentially replaced with :
Think
about the millions of
You use this word too often, consider replacing it with
transactions
happening every hour via
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
and its impact on
Possible spelling mistake. 'mobilising' is British English.
mobilising
the
You use this word too often, consider replacing it with
money
and that would
This phrase/word (depending on the context) can be potentially replaced with :
allow
you to
fully
appreciate the importance of
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
in the global economy.

Undeniably
there are
This phrase/word is too simple and can be replaced with:
some
disadvantages of
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
especially
when
You use this word too often, consider replacing it with
people
cannot repay the amount they have already spent or when they
are hacked
.
However
, this cannot degrade the usefulness of plastic
You use this word too often, consider replacing it with
money
in the modern era.
You use this word too often, consider replacing it with
Banks
should never grant
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
to
You use this word too often, consider replacing it with
people
with
This phrase/word (depending on the context) can be potentially replaced with :
bad
You use this word too often, consider replacing it with
credit
records or to someone who does not have an economic stability to actually afford it. In fact, the
You use this word too often, consider replacing it with
credit
limit imposed on every
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
actually does restrain
You use this word too often, consider replacing it with
people
from being extravagant and become a
This phrase/word (depending on the context) can be potentially replaced with :
bad
creditor.

In conclusion
, every technology has
This phrase/word is too simple and can be replaced with:
some
This phrase/word is too simple and can be replaced with:
negative
aspects and that does not
You use this word too often, consider replacing it with
make
the technology
This phrase/word (depending on the context) can be potentially replaced with :
bad
itself.
You use this word too often, consider replacing it with
Bank
authority should
You use this word too often, consider replacing it with
make
strict
This phrase/word (depending on the context) can be potentially replaced with :
rules
about allowing
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
to someone, and
You use this word too often, consider replacing it with
people
should be more frugal when spending
You use this word too often, consider replacing it with
money
they
are obliged
to return.
You use this word too often, consider replacing it with
Credit
You use this word too often, consider replacing it with
cards
have
This phrase/word is too simple and can be replaced with:
so
This phrase/word is too simple and can be replaced with:
many
advantages that
You use this word too often, consider replacing it with
make
our life easier while the
This phrase/word is too simple and can be replaced with:
negative
impacts could
easily
be controlled
.
7Linking words, meeting the goal of 7 or more
74Repeated words, meeting the goal of 3 or fewer
4Mistakes

IELTS essay Nowadays it is easy to apply for and be given a credit card. However, some people experience problems when they are not able to pay their debts back. v. 2

Essay
  American English
6 paragraphs
470 words
5.5
Overall Band Score
Coherence and Cohesion: 5.0
  • 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: 6.5
  • 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
Labels Descriptions
  • ?
    Currently is not available
  • Meet the criteria
  • Doesn't meet the criteria
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