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Nowadays plastic money replacement such as credit and debit cards are extremely popular, even more than bank notes and coins. Discuss the advantages and disadvantages. Include your personal opinion.

In the present scenario, banks cards are a immensely significant for the online payment or swipe for payments in machines. Therefore, it is more famous than coins and banknotes. In this essay, I will give careful analysis of pros and cons of the argument before forming my notion. On the constructive side, there are a plethora of benefits of credit cards. Firstly, it is easy person for every person to carry these cards in the pocket anywhere and anytime. However, credits cards are used to make payment while doing online shopping. Someone does not need to go in shop to pay price of the goods. They get numerous discounts on the products. Secondly, banks give credit cards for financial backup in any emergency, such as unexpected accident, business loss or auto repair. For instance, if anyone has a medical emergency, he or she is on holidays that time it is easy for them to pay hospital bills through credit cards. Apart from this, person can we debit or credit card to pay monthly installments. On the flip side, with the merits of the cards their drawbacks cannot be ignored. Although, people have to pay heavy interest and fees of the credit cards. Also, some private agencies charge extra taxes and penalities on these cards. Furthermore, folks do unnecessary shopping when they have enough limit of money and later on which is difficult for them to pay off. Another biggest disadvantage, while doing online shopping it can be hacked or misuse by someone if the website is not secured. For example, a survey conducted by the banks of India reveals that until 2015, masses had faced a loss of billion rupees scam due to credit cards. In conclusion, cards have many advantages but their disadvantages cannot be neglected. Anyhow, I firmly believe that everyone should spend money according to their budget. So, later on it is easy to pay off.
In the present scenario, banks
You use this word too often, consider replacing it with
cards
are
Use "an" instead of 'a' if the following word starts with a vowel sound, e.g. 'an article', 'an hour'
a
immensely
significant for the online payment or swipe for payments in machines.
Therefore
, it is more
This phrase/word is too simple and can be replaced with:
famous
than coins and banknotes. In this essay, I will give careful analysis of pros and cons of the argument
This phrase/word is too simple and can be replaced with:
before
forming my notion.

On the constructive side, there are a plethora of benefits of
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
.
Firstly
, it
Please check whether an article is missing: "is a easy" or "is an easy"
is easy
person for every person to carry these
You use this word too often, consider replacing it with
cards
in the pocket anywhere and anytime.
However
,
You use this word too often, consider replacing it with
credits
You use this word too often, consider replacing it with
cards
are
This phrase/word (depending on the context) can be potentially replaced with :
used
to
This phrase/word (depending on the context) can be potentially replaced with :
make
payment while doing online shopping. Someone does not need to go in shop to
You use this word too often, consider replacing it with
pay
price of the
This phrase/word (depending on the context) can be potentially replaced with :
goods
. They
This phrase/word (depending on the context) can be potentially replaced with :
get
numerous discounts on the products.
Secondly
, banks give
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
for financial backup in any emergency, such as unexpected accident, business loss or auto repair.
For instance
, if anyone has a medical emergency, he or she is on holidays that time it is easy for them to
You use this word too often, consider replacing it with
pay
hospital bills through
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
. Apart from this, person can we debit or
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
to
You use this word too often, consider replacing it with
pay
monthly installments.

On the flip side, with the merits of the
You use this word too often, consider replacing it with
cards
their drawbacks cannot be
This phrase/word (depending on the context) can be potentially replaced with :
ignored
. Although,
This phrase/word (depending on the context) can be potentially replaced with :
people
This phrase/word is too simple and can be replaced with:
have to
You use this word too often, consider replacing it with
pay
heavy interest and fees of the
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
.
Also
,
This phrase/word is too simple and can be replaced with:
some
private agencies charge extra taxes and
Possible spelling mistake found.
penalities
on these
You use this word too often, consider replacing it with
cards
.
Furthermore
, folks do unnecessary shopping when they have
This phrase/word is too simple and can be replaced with:
enough
limit of money and later on which is difficult for them to
You use this word too often, consider replacing it with
pay
off. Another biggest disadvantage, while doing online shopping it can
be hacked
or misuse by someone if the website is not secured.
For example
, a survey conducted by the banks of India reveals that until 2015, masses had faced a loss of billion rupees scam due to
You use this word too often, consider replacing it with
credit
cards.

In conclusion
,
You use this word too often, consider replacing it with
cards
have
This phrase/word is too simple and can be replaced with:
many
advantages
This phrase/word is too simple and can be replaced with:
but
their disadvantages cannot
be neglected
. Anyhow, I
firmly
believe that everyone should spend money according to their budget.
This phrase/word is too simple and can be replaced with:
So
, later on it is easy to
You use this word too often, consider replacing it with
pay
off.
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IELTS essay Nowadays plastic money replacement such as credit and debit cards are extremely popular, even more than bank notes and coins. Discuss the advantages and disadvantages. Include your personal opinion.

Essay
  American English
4 paragraphs
319 words
6.0
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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