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some people get into debt by buying things they don't need and can't afford. What are the reasons for this behavior? What actions can be taken to prevent people from having this problem?

some people get into debt by buying things they don't need and can't afford. What are the reasons for this behavior? What actions can be taken to prevent people from having this problem? jMmw
Several people become debtors by purchasing unwanted and expensive things which are beyond their financial status. Reason being easy access to credit cards and this can be checked by financial institutions by controlling the issuance and repayment on credit cards. Due to the heedless distribution of credit cards by banks, majority of the people have credit cards and this leads them to do thoughtless shopping. Having access to credit cards make people to buy things which are not required at that moment. Lots of people purchase items on impulse whether it is necessary or not, especially when it is an item that is trending. For instance, people just want to buy the latest phones even when they have functional phones, and they do not mind becoming debtors after such purchases. This type of behavior can be ruled out by the financial companies by taking different measures before issuing a debit card and also at the time of repayment. Both government and private financial sectors should follow strict rules ad regulations before the allotment of smart cards. These companies should check the financial background of people and their credibility to make repayment without any problem later, companies should be very particular at the time of taking back the money from their customers. All in all, a majority of people are not shying away from becoming debtors, by making costly and unnecessary purchases. The reason for this can be the possession of plastic-money. Which they can pay later. To avoid people from doing mindless shopping banks should impose strict rules on the smart card distribution and its repayment.
Several
people
become debtors by purchasing unwanted and expensive things which are beyond their
financial
status. Reason being easy access to
credit
cards
and this can be
checked
by
financial
institutions by controlling the issuance and
repayment
on
credit
cards
. Due to the heedless distribution of
credit
cards
by banks,
majority of
the
people
have
credit
cards
and this leads them to do thoughtless shopping. Having access to
credit
cards
make
people
to
buy
things which are not required at that moment. Lots of
people
purchase
items on impulse whether it is necessary or not,
especially
when it is an item
that is
trending.
For instance
,
people
just
want to
buy
the latest phones even when they have functional phones, and they do not mind becoming debtors after such
purchases
. This type of behavior can
be ruled
out by the
financial
companies
by taking
different
measures
before
issuing a debit
card
and
also
at the time of
repayment
. Both
government
and private
financial
sectors should follow strict
rules
ad regulations
before
the allotment of smart
cards
. These
companies
should
check
the
financial
background of
people
and their credibility to
make
repayment
without any problem later,
companies
should be
very
particular at the time of taking back the money from their customers. All in all, a majority of
people
are not shying away from becoming debtors, by making costly and unnecessary
purchases
. The reason for this can be the possession of plastic-money. Which they can pay later. To avoid
people
from doing mindless shopping banks should impose strict
rules
on the smart
card
distribution and its
repayment
.
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IELTS essay some people get into debt by buying things they don't need and can't afford. What are the reasons for this behavior? What actions can be taken to prevent people from having this problem?

Essay
  American English
1 paragraphs
266 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: 5.5
  • Answer all parts of the question
  • ?
    Present relevant ideas
  • Fully explain these ideas
  • Support ideas with relevant, specific examples
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