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people today are increasingly using credit cards to make monthly purchases.do the advantages overweigh the disadvantages .

people today are increasingly using credit cards to make monthly purchases. do the advantages overweigh the disadvantages. 7xo5
Nowadays, anyone having a good credit score can get a credit card easily. These cards are used by more and more people in their day-to-day life for shopping. Although there are numerous disadvantages of using such type of cards, advantages are more than negatives if used properly. To embark on, using a credit card benefits the user in several way as it offers easy access to cash. Firstly, These money cards can be used in emergency situations, and at the time of buying expensive things. My Friend, for instance, pay the charges for her thyroid surgery through card. Secondly, these plastic cards can raise the life standard as a number of companies offer zero interest rate on home appliances. Therefore, middle class people can purchase essential home items by using debit cards, thus, their life standards are improved. What is more, credit cards eliminates the need of to carry huge amount of cash in one's wallet. This makes the purchase of expensive things easy. For instance, Recently, my cousin purchased a car, and he did the payment through cash card due to the fact that carrying high amount of cash was difficult. On the flip side, there are several negatives of a money card, which can land a person into serious debts. First of all, Plastic cards encourage the people to buy things even if they do not need them. This results in consumerism and overspending which can be detrimental for a person's financial status. Apart from these, credit cards have high interest rates than any other loans and this creates difficulties for people to pay their debts. What is more, there is always a risk of losing the money, because cyber criminals can withdraw all amount by hacking our accounts. After saying everything, I believe that the advantages are more than disadvantages, as it offers easy access to money but certainly disadvantages are not ignorable so person should use the plastic money wisely.
Nowadays, anyone having a
This phrase/word (depending on the context) can be potentially replaced with :
good
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
easily
. These
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
by more and more
You use this word too often, consider replacing it with
people
in their day-to-day life for shopping. Although there are numerous disadvantages of using such type of
You use this word too often, consider replacing it with
cards
, advantages are more than negatives if
This phrase/word (depending on the context) can be potentially replaced with :
used
properly
.

To embark on, using a
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
benefits the user in several way as it offers easy access to
You use this word too often, consider replacing it with
cash
.
Firstly
, These
You use this word too often, consider replacing it with
money
You use this word too often, consider replacing it with
cards
can be
This phrase/word (depending on the context) can be potentially replaced with :
used
in emergency situations, and at the time of buying expensive things. My Friend,
for instance
, pay the charges for her thyroid surgery through
You use this word too often, consider replacing it with
card
.
Secondly
, these plastic
You use this word too often, consider replacing it with
cards
can raise the life standard as a number of
This phrase/word (depending on the context) can be potentially replaced with :
companies
offer zero interest rate on home appliances.
Therefore
, middle
This phrase/word (depending on the context) can be potentially replaced with :
class
You use this word too often, consider replacing it with
people
can
This phrase/word (depending on the context) can be potentially replaced with :
purchase
essential home items by using debit
You use this word too often, consider replacing it with
cards
,
thus
, their life standards are
This phrase/word (depending on the context) can be potentially replaced with :
improved
.
What is more
,
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
eliminates the need of to carry huge amount of
You use this word too often, consider replacing it with
cash
in one's wallet. This
This phrase/word (depending on the context) can be potentially replaced with :
makes
the
This phrase/word (depending on the context) can be potentially replaced with :
purchase
of expensive things easy.
For instance
, Recently, my cousin
This phrase/word (depending on the context) can be potentially replaced with :
purchased
a car, and he did the payment through
You use this word too often, consider replacing it with
cash
You use this word too often, consider replacing it with
card
due to the fact that carrying high amount of
You use this word too often, consider replacing it with
cash
was difficult.

On the flip side, there are several negatives of a
You use this word too often, consider replacing it with
money
You use this word too often, consider replacing it with
card
, which can land a person into serious debts.
This phrase is redundant. Consider using "first".
First of all
, Plastic
You use this word too often, consider replacing it with
cards
encourage the
You use this word too often, consider replacing it with
people
to
This phrase/word (depending on the context) can be potentially replaced with :
buy
things even if they do not need them. This results in consumerism and overspending which can be detrimental for a person's financial status. Apart from these,
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
have high interest rates than any other loans and this creates difficulties for
You use this word too often, consider replacing it with
people
to pay their debts.
What is more
, there is always a
This phrase/word (depending on the context) can be potentially replaced with :
risk
of losing the
You use this word too often, consider replacing it with
money
,
This phrase/word is too simple and can be replaced with:
because
cyber criminals can withdraw all amount by hacking our accounts.

After saying everything, I believe that the advantages are more than disadvantages, as it offers easy access to
You use this word too often, consider replacing it with
money
This phrase/word is too simple and can be replaced with:
but
certainly
disadvantages are not ignorable
This phrase/word is too simple and can be replaced with:
so
person should
This phrase/word (depending on the context) can be potentially replaced with :
use
the plastic
You use this word too often, consider replacing it with
money
wisely
.
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IELTS essay people today are increasingly using credit cards to make monthly purchases. do the advantages overweigh the disadvantages.

Essay
  American English
4 paragraphs
324 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: 7.0
  • 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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  • Meet the criteria
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