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Nowadays it is easy to apply for and get a credit card. However, some people experience problems when they are not be able to pay their debts back. In your opinion, do the advantages of credit cards outweigh the disadvantages? v.1

Nowadays it is easy to apply for and get a credit card. However, some people experience problems when they are not be able to pay their debts back. In your opinion, do the advantages of credit cards outweigh the disadvantages? v. 1
Nowadays anyone with a decent credit score can get a credit card. Credit cards increase the purchasing power of people and improve their living standards. Unfortunately, if the cards are not used with care, they will land the holder in serious debts. In my opinion, credit cards have both advantages and disadvantages. People can benefit from their credit card in several ways. It gives them immediate access to credit. It helps in emergency situations or when they want to buy something expensive. One of my friends, for example, paid for his thyroid surgery using his credit card. Some credit card companies also offer zero percent interest rates on home appliances. Using this option middle and lower income families can buy washing machines or refrigerators on easy monthly installments. Thus credit cards improve their lifestyle. Credit cards also eliminate the need to carry cash in one’s wallet. On the flip side, credit cards can push people into serious debts traps. They have destroyed many lives and careers. Cards make people compulsive shoppers. They encourage people to buy all the products in the market even though they do not need them. This temptation to overspend has disastrous consequences. Credit cards are good if you can pay off the entire balance when it is due. Credit card loans have much higher interest rates than other loans. If you only pay the minimum balance, you will end up paying a lot of interest. What’s more, credit card transactions carry increased risk of fraud. Someone who knows your card number and other credentials can easily buy stuff using your card without your knowledge or permission. To conclude, credit cards are definitely a beneficial invention, but we need to use them wisely to reap their benefits.
Nowadays anyone with a decent
You use this word too often, consider replacing it with
credit
score can
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
.
You use this word too often, consider replacing it with
Credit
You use this word too often, consider replacing it with
cards
increase the purchasing power of
You use this word too often, consider replacing it with
people
and
This phrase/word (depending on the context) can be potentially replaced with :
improve
their living standards. Unfortunately, if the
You use this word too often, consider replacing it with
cards
are not
This phrase/word (depending on the context) can be potentially replaced with :
used
with care, they will land the holder in serious debts. In my opinion,
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
have both advantages and disadvantages.

This phrase/word (depending on the context) can be potentially replaced with :
People
can benefit from their
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
in several ways. It gives them immediate access to
You use this word too often, consider replacing it with
credit
. It
This phrase/word (depending on the context) can be potentially replaced with :
helps
in emergency situations or when they want to
You use this word too often, consider replacing it with
buy
something expensive. One of my friends,
for example
, paid for his thyroid surgery using his
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:
Some
Did you mean "credits"?
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
also
offer zero percent interest rates on home appliances. Using this option middle and lower income families can
You use this word too often, consider replacing it with
buy
washing machines or refrigerators on easy monthly installments.
Thus
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 :
improve
their lifestyle.
You use this word too often, consider replacing it with
Credit
You use this word too often, consider replacing it with
cards
also
eliminate the need to carry cash in one’s wallet.

On the flip side,
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
can push
You use this word too often, consider replacing it with
people
into serious debts traps. They have
This phrase/word (depending on the context) can be potentially replaced with :
destroyed
This phrase/word is too simple and can be replaced with:
many
This phrase/word (depending on the context) can be potentially replaced with :
lives
and careers.
You use this word too often, consider replacing it with
Cards
This phrase/word (depending on the context) can be potentially replaced with :
make
You use this word too often, consider replacing it with
people
compulsive shoppers. They encourage
You use this word too often, consider replacing it with
people
to
You use this word too often, consider replacing it with
buy
all the products in the market
even though
they do not need them. This temptation to overspend has disastrous consequences.
You use this word too often, consider replacing it with
Credit
You use this word too often, consider replacing it with
cards
are
This phrase/word (depending on the context) can be potentially replaced with :
good
if you can pay off the entire balance when it is due.
You use this word too often, consider replacing it with
Credit
You use this word too often, consider replacing it with
card
loans have much higher interest rates than other loans. If you
This phrase/word (depending on the context) can be potentially replaced with :
only
pay the minimum balance, you will
This phrase/word (depending on the context) can be potentially replaced with :
end
up paying
This phrase/word is too simple and can be replaced with:
a lot of
interest. What’s more,
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
transactions carry increased
This phrase/word (depending on the context) can be potentially replaced with :
risk
of fraud. Someone who knows your
You use this word too often, consider replacing it with
card
number and other credentials can
easily
You use this word too often, consider replacing it with
buy
stuff using your
You use this word too often, consider replacing it with
card
without your knowledge or permission.

To conclude
,
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
are definitely a beneficial invention,
This phrase/word is too simple and can be replaced with:
but
we need to
This phrase/word (depending on the context) can be potentially replaced with :
use
them
wisely
to reap their benefits.
7Linking words, meeting the goal of 7 or more
40Repeated words, meeting the goal of 3 or fewer
1Mistakes

IELTS essay Nowadays it is easy to apply for and get a credit card. However, some people experience problems when they are not be able to pay their debts back. In your opinion, do the advantages of credit cards outweigh the disadvantages? v. 1

Essay
  American English
4 paragraphs
290 words
6
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: 6.0
  • 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
Labels Descriptions
  • ?
    Currently is not available
  • Meet the criteria
  • Doesn't meet the criteria
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