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Nowadays plastic money replacements such as credit and debit cards are extremely popular, even more than banknotes and coins. Discuss the advantages and disadvantages of this.Nowadays plastic money replacements such as credit and debit cards are extremely popular, even more than banknotes and coins. Discuss the advantages and disadvantages of this.

Nowadays plastic money replacements such as credit and debit cards are extremely popular, even more than banknotes and coins. Discuss the advantages and disadvantages of this. Nowadays plastic money replacements such as credit and debit cards are extremely popular, even more than banknotes and coins. Discuss the advantages and disadvantages of this. 2YaX
Credit and debit cards, which are primarily used as replacements of plastic money or banknotes, have become an indispensable part of our day-to-day life, and in many cases, are more popular than conventional currency. While these cards have many advantages, their negative aspects should not be ignored. For a start, using these cards confers advantages over cash. The obvious advantage of plastic money replacements is that it obviates the need to carry hard cash. Cards have not only provided users with convenience, it has also saved them the inconvenience of carrying standard banknotes. For example, when a working executive’s job involves frequent inter-state travel she or he has to entail considerable expenses such as food, accommodation, travel, and so on. In such a situation not only is it burdensome to carry cash, but it also poses a risk of theft. In addition, cards facilitate online transactions or paying from home. Put simply, it paves the way for making online payments, transfer of funds, and several other transactions in just a few clicks. Credit and debit cards, however, have some drawbacks. One of the major hindrances of credit cards is a high-interest liability. While it is true that credit cards give cardholders ample time to pay for purchases made through it, high-interest is charged if they fail to pay on the lapse of a period. Besides, impulsive purchases are commonplace owing to having the ease to make payments. Moreover, when people make an online purchase through credit cards, there is a certain amount of risk involved as they share their bank details on the internet which is not always a safe place. There are certain malicious websites to steal financial information and loot money thereby. To recapitulate, plastic cards confer both advantage and disadvantage. It is therefore very important to be cautious while using them.
You use this word too often, consider replacing it with
Credit
and debit
You use this word too often, consider replacing it with
cards
, which are
primarily
This phrase/word (depending on the context) can be potentially replaced with :
used
as replacements of plastic money or banknotes, have become an indispensable part of our day-to-day life, and in
This phrase/word is too simple and can be replaced with:
many
cases, are more popular than conventional currency. While these
You use this word too often, consider replacing it with
cards
have
This phrase/word is too simple and can be replaced with:
many
You use this word too often, consider replacing it with
advantages
, their
This phrase/word is too simple and can be replaced with:
negative
aspects should not be
This phrase/word (depending on the context) can be potentially replaced with :
ignored
.

For a
This phrase/word (depending on the context) can be potentially replaced with :
start
, using these
You use this word too often, consider replacing it with
cards
confers
You use this word too often, consider replacing it with
advantages
over cash. The obvious
You use this word too often, consider replacing it with
advantage
of plastic money replacements is that it obviates the need to carry
This phrase/word (depending on the context) can be potentially replaced with :
hard
cash.
You use this word too often, consider replacing it with
Cards
have not
This phrase/word (depending on the context) can be potentially replaced with :
only
provided users with convenience, it has
also
saved them the inconvenience of carrying standard banknotes.
For example
, when a working executive’s job involves frequent inter-state travel she or he
This phrase/word is too simple and can be replaced with:
has to
entail considerable expenses such as food, accommodation, travel, and
This phrase/word is too simple and can be replaced with:
so
on. In such a situation not
This phrase/word (depending on the context) can be potentially replaced with :
only
is it burdensome to carry cash,
This phrase/word is too simple and can be replaced with:
but
it
also
poses a
This phrase/word (depending on the context) can be potentially replaced with :
risk
of theft.
In addition
,
You use this word too often, consider replacing it with
cards
facilitate online transactions or paying from home. Put
simply
, it paves the way for making online payments, transfer of funds, and several other transactions in
This phrase/word is too simple and can be replaced with:
just
a few clicks.

Credit and debit
You use this word too often, consider replacing it with
cards
,
however
, have
This phrase/word is too simple and can be replaced with:
some
drawbacks. One of the major hindrances of
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
is a high-interest liability. While it is true that
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
give cardholders ample time to pay for
This phrase/word (depending on the context) can be potentially replaced with :
purchases
made through it, high-interest
is charged
if they fail to pay on the lapse of a period.
Besides
, impulsive
This phrase/word (depending on the context) can be potentially replaced with :
purchases
are commonplace owing to having the
This phrase/word (depending on the context) can be potentially replaced with :
ease
to
This phrase/word (depending on the context) can be potentially replaced with :
make
payments.
Moreover
, when
This phrase/word (depending on the context) can be potentially replaced with :
people
This phrase/word (depending on the context) can be potentially replaced with :
make
an online
This phrase/word (depending on the context) can be potentially replaced with :
purchase
through
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
, there is a certain amount of
This phrase/word (depending on the context) can be potentially replaced with :
risk
involved as they share their bank
This phrase/word (depending on the context) can be potentially replaced with :
details
on the internet which is not always a safe place. There are certain malicious websites to steal financial information and loot money thereby.

To recapitulate, plastic
You use this word too often, consider replacing it with
cards
confer both
You use this word too often, consider replacing it with
advantage
and disadvantage. It is
therefore
This phrase/word is too simple and can be replaced with:
very
This phrase/word is too simple and can be replaced with:
important
to be cautious while using them.
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IELTS essay Nowadays plastic money replacements such as credit and debit cards are extremely popular, even more than banknotes and coins. Discuss the advantages and disadvantages of this. Nowadays plastic money replacements such as credit and debit cards are extremely popular, even more than banknotes and coins. Discuss the advantages and disadvantages of this.

Essay
  American English
4 paragraphs
304 words
6.0
Overall Band Score
Coherence and Cohesion: 5.5
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