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People today increasingly use credit cards to make monthly purchases. Do the advantages of this outweigh the disadvantages?

All around the globe technological advancements have left no stone unturned. The introduction of plastic money for online transactions have made life easier than ever previously. However, few people believe that, there are certain drawbacks of using credit cards for transactions. This essay would discuss the advantages and disadvantages of credit cards followed by a reasonable conclusion. In the recent years, people are burdened by responsibilities of work and home that they do not get abundance time for shopping every other week. E-commerce not only has made it convenient for shoppers to purchase products online at the comfort of their homes(on the contrary) but also it makes to reduce extra cost for transportation to the shop. Furthermore, credit cards are used for payment of taxes and other legal fees through Government websites which are safe and convenient. a plethora of banks have introduced international credit cards which help the travelers enjoy their visits abroad without worrying physical currency at hand. For example, the Guardian last report was ING bank has their branches worldwide and their international cards could be used in any country irrespective of acceptable currency, the bank would debit the balance in your account at the prevailing rate of that currency. Despite the advantages, there are few disadvantages of using credit cards as well. With the increasing crimes around the globe, numerous instances of hacking around the world have been reported due to online transactions. A number of fake call centers have been set up which try to convince people to share their personal details by offering them attractive offers. However, the hackers who have been set up by the governments in various countries to protect the interest of contemporary and prospective users of plastic money. To conclude, Credit cards have opened a world of new possibilities. It helps people in saving time and makes it convenient to fulfil their responsibilities without having to go out. Therefore, from the above discussion, it is clear that the use of credit cards has more advantages than disadvantages.
All around the globe technological advancements have
left
no stone unturned. The introduction of plastic money for online transactions have made life easier than ever previously.
However
, few
people
believe that, there are certain drawbacks of using
credit
cards
for transactions. This essay would discuss the advantages and disadvantages of
credit
cards
followed by a reasonable conclusion.

In the recent years,
people
are burdened
by responsibilities of work and home that they do not
get
abundance time for shopping every other week. E-commerce not
only
has made it convenient for shoppers to
purchase
products online at the comfort of their homes(
on the contrary
)
but
also
it
makes
to
reduce
extra cost for transportation to the shop.
Furthermore
,
credit
cards
are
used
for payment of taxes and other legal fees through
Government
websites which are safe and convenient. a plethora of banks have introduced international
credit
cards
which
help
the travelers enjoy their visits abroad without worrying physical currency at hand.
For example
, the Guardian last report was ING bank has their branches worldwide and their international
cards
could be
used
in any country irrespective of acceptable currency, the bank would debit the balance in your account at the prevailing rate of that currency.

Despite the advantages, there are few disadvantages of using
credit
cards
as well
. With the increasing crimes around the globe, numerous instances of hacking around the world have
been reported
due to online transactions. A number of fake call centers have
been set
up which try to convince
people
to share their personal
details
by offering them attractive offers.
However
, the hackers who have
been set
up by the
governments
in various countries to protect the interest of contemporary and prospective users of plastic money.

To conclude
,
Credit
cards
have opened a world of new possibilities. It
helps
people
in saving time and
makes
it convenient to fulfil their responsibilities without having to go out.
Therefore
, from the above discussion, it is
clear
that the
use
of
credit
cards
has more advantages than disadvantages.
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IELTS essay People today increasingly use credit cards to make monthly purchases. Do the advantages of this outweigh the disadvantages?

Essay
  American English
4 paragraphs
337 words
6.5
Overall Band Score
Coherence and Cohesion: 6.0
  • 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
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