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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. Do the advantages of credit cards outweigh the disadvantages? Give reasons for your answer and include any relevant examples from your own knowledge or experience.

It is undeniable that due to the advancement in technology, these days, it is the flexible approach to pay for individual's purchase through a credit card as it takes almost no time to apply for the credit card. Although the life of individuals has become more convenient with this approach, but quite a few people are facing issues in order to pay back for their credits. After going delve deeper, credit card offers a plethora of benefits to the public and the drawbacks can be negligible. To embark on, the first and foremost is that it is the most reliable method of essential payment such as mobile bills, electricity bill and many more without going anywhere paying anything in advance. Ones can set their monthly payment for fixed amount bills, for example, for mobile bills because sometimes, they forget to pay for them, consequently, then they have to deal with some serious issues such as they have to fill extra money as a fine for late payment whereas credit give one month to payback. For exemplify, sometimes, people are not financially sound, as a consequent, they do not have sufficient money to pay for mobile and other household bills so they can pay it from credit card. Moving towards other positive side, many companies offers some extra discount to their customers, if someone is paying with credit card. As a result, people can make suitable deal. Moreover, individuals do not need to carry cash with themselves whereas credit card is quite easy to carry and they can use credit card up to their limits in case of emergency without doing worry about money. On the darker side of using credit card, there are minor disadvantageous. People sometimes become addicted to buy not only unnecessary things, but also, they cross their card limit. At the end of the money, they do not have enough money in debt on the time of return which lead a negative impact on their banking record. In conclusion, I would like to say that every garden has weeds. Drawbacks of credit card can be overcome by spreading awareness among individuals to use credit card in an appropriate instead of using it non-essential things. So, credit cards have plenty of positive side rather than negative ones.
It is undeniable that due to the advancement in technology, these days, it is the flexible approach to
You use this word too often, consider replacing it with
pay
for individual's
This phrase/word (depending on the context) can be potentially replaced with :
purchase
through a
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
as it takes almost no time to apply for the
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
. Although the life of individuals has become more convenient with this approach,
This phrase/word is too simple and can be replaced with:
but
quite a few
You use this word too often, consider replacing it with
people
are facing issues in order to
You use this word too often, consider replacing it with
pay
back for their
You use this word too often, consider replacing it with
credits
. After going delve deeper,
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
offers a plethora of benefits to the public and the drawbacks can be negligible.

To embark on, the
first
and foremost is that it is the most reliable method of essential payment such as mobile
You use this word too often, consider replacing it with
bills
, electricity
You use this word too often, consider replacing it with
bill
and
This phrase/word is too simple and can be replaced with:
many
more without going anywhere paying anything in advance.
You use this word too often, consider replacing it with
Ones
can set their monthly payment for
This phrase/word (depending on the context) can be potentially replaced with :
fixed
amount
You use this word too often, consider replacing it with
bills
,
for example
, for mobile
You use this word too often, consider replacing it with
bills
This phrase/word is too simple and can be replaced with:
because
This phrase/word (depending on the context) can be potentially replaced with :
sometimes
, they forget to
You use this word too often, consider replacing it with
pay
for them,
consequently
, then they
This phrase/word is too simple and can be replaced with:
have to
deal with
This phrase/word is too simple and can be replaced with:
some
serious issues such as they
This phrase/word is too simple and can be replaced with:
have to
fill extra
You use this word too often, consider replacing it with
money
as a fine for late payment whereas
You use this word too often, consider replacing it with
credit
give one month to payback. For exemplify,
This phrase/word (depending on the context) can be potentially replaced with :
sometimes
,
You use this word too often, consider replacing it with
people
are not
financially
sound, as a consequent, they do not have sufficient
You use this word too often, consider replacing it with
money
to
You use this word too often, consider replacing it with
pay
for mobile and other household
You use this word too often, consider replacing it with
bills
This phrase/word is too simple and can be replaced with:
so
they can
You use this word too often, consider replacing it with
pay
it from
You use this word too often, consider replacing it with
credit
card.

Moving towards other
This phrase/word is too simple and can be replaced with:
positive
side,
This phrase/word is too simple and can be replaced with:
many
This phrase/word (depending on the context) can be potentially replaced with :
companies
offers
This phrase/word is too simple and can be replaced with:
some
extra discount to their customers, if someone is paying with
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
.
As a result
,
You use this word too often, consider replacing it with
people
can
This phrase/word (depending on the context) can be potentially replaced with :
make
suitable deal.
Moreover
, individuals do not need to carry cash with themselves whereas
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
is quite easy to
Use a comma before ‘and’ if it connects two independent clauses (unless they are closely connected and short).
carry and
they can
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
up to their limits in case of emergency without doing worry about money.

On the darker side of using
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
, there are minor disadvantageous.
You use this word too often, consider replacing it with
People
This phrase/word (depending on the context) can be potentially replaced with :
sometimes
become addicted to
This phrase/word (depending on the context) can be potentially replaced with :
buy
not
This phrase/word (depending on the context) can be potentially replaced with :
only
unnecessary things,
This phrase/word is too simple and can be replaced with:
but
also
, they cross their
You use this word too often, consider replacing it with
card
limit. At the
This phrase/word (depending on the context) can be potentially replaced with :
end
of the
You use this word too often, consider replacing it with
money
, they do not have
This phrase/word is too simple and can be replaced with:
enough
You use this word too often, consider replacing it with
money
in debt on the time of return which lead a
This phrase/word is too simple and can be replaced with:
negative
impact on their banking record.

In conclusion
, I would like to say that every garden has weeds. Drawbacks of
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
can
be overcome
by spreading awareness among individuals to
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
in an appropriate
instead
of using it non-essential things.
This phrase/word is too simple and can be replaced with:
So
,
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:
plenty
of
This phrase/word is too simple and can be replaced with:
positive
side
rather
than
This phrase/word is too simple and can be replaced with:
negative
You use this word too often, consider replacing it with
ones
.
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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. Do the advantages of credit cards outweigh the disadvantages?

Essay
  American English
5 paragraphs
379 words
6.0
Overall Band Score
Coherence and Cohesion: 6.5
  • 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: 5.5
  • Use a variety of complex and simple sentences
  • Check your writing for errors
Task Achievement: 6.5
  • Answer all parts of the question
  • ?
    Present relevant ideas
  • Fully explain these ideas
  • Support ideas with relevant, specific examples
Labels Descriptions
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