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The debate on cash versus credit card has been going on for some time. Credit is still a fairly new concept within the history of finance; so many people would rather stick with paper money. According to you, which is a better payment method, cash or credit? Give reasons for your answer and include any relevant examples from your own knowledge or experience. Write at least 250 words.

Over the last couple of decades there is a significant growth in the finance industry with the help of growing technologies. Definitely credit cards are new concept againts the traditional methods such as cash in hand. Finance industry across the globe is changing rapidly and credit card is one of the outcome. It is a well defined concept where any individual can trade using the credit card under the bank defined credit limit. Credit limit is calculated based on individual credit history which is maintain by the credit unions (Financal Bodies). In today's era credit cards can be used to pay bills at gas stations, grocery stores, pharmacies. It can be linked to pay any type of bills such as insurance, internet, telephone and etc. Credit card services are playing a vital role in our life: a) An individual traveling abroad can use the credit card for any expenditure and avoid the hassle of going to an exchange center to convert the currency. b) Spending via credit cards and paying bill on time can build credit history for an individual, When he/she submit an application to a bank for a loan (Business, House, Educatuon, Car and etc. ) credit history plays an important role for a bank to review your application upon providing approvals. c) To market their credit cards different benefits are linked with it, such as i) Money back on purchase of grocery/gas. ii) International travel/hotel booking benefits based on a pointing system and cash back. iii) Covered rental car insurance upon paying rental of car with credit card. iv) Missing card can be block quicky upon calling bank, which makes it theft free, To conclude, healthy usage of credit cards benefit individuals to manage his/her finances and upon any cash urgency need in future and even help person not to carry cash in hand.
Over the last couple of decades there is a significant growth in the finance industry with the
This phrase/word (depending on the context) can be potentially replaced with :
help
of growing technologies. Definitely
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
are new concept
Possible spelling mistake found.
againts
the traditional methods such as
You use this word too often, consider replacing it with
cash
in hand.

Finance industry across the globe is changing
rapidly
and
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
is one of the outcome. It is a
This word is normally spelled with hyphen.
well defined
concept where any
You use this word too often, consider replacing it with
individual
can trade using the
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
under the
You use this word too often, consider replacing it with
bank
defined
You use this word too often, consider replacing it with
credit
limit.
You use this word too often, consider replacing it with
Credit
limit
is calculated
based on
You use this word too often, consider replacing it with
individual
You use this word too often, consider replacing it with
credit
history which is
Consider using a past participle here: "maintained".
maintain
by the
You use this word too often, consider replacing it with
credit
unions (
Possible spelling mistake found.
Financal
Bodies).

In
This phrase/word (depending on the context) can be potentially replaced with :
today
's era
You use this word too often, consider replacing it with
credit
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
to pay bills at gas stations, grocery stores, pharmacies. It can
be linked
to pay any type of bills such as insurance, internet, telephone
Write the name of the item after 'and' or use only "etc".
and etc
.

Credit
You use this word too often, consider replacing it with
card
services are playing a vital role in our life:

a) An
You use this word too often, consider replacing it with
individual
traveling abroad can
This phrase/word (depending on the context) can be potentially replaced with :
use
the
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
for any expenditure and avoid the hassle of going to an exchange center to convert the currency.

b) Spending via
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
and paying bill on time can build
You use this word too often, consider replacing it with
credit
history for an
You use this word too often, consider replacing it with
individual
, When he/she submit an application to a
You use this word too often, consider replacing it with
bank
for a loan (Business,
This phrase/word (depending on the context) can be potentially replaced with :
House
,
Possible spelling mistake found.
Educatuon
, Car
Write the name of the item after 'and' or use only "etc".
and etc
.
Don't put a space before the closing parenthesis
)
You use this word too often, consider replacing it with
credit
history plays an
This phrase/word is too simple and can be replaced with:
important
role for a
You use this word too often, consider replacing it with
bank
to review your application upon providing approvals.

c) To market their
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
This phrase/word is too simple and can be replaced with:
different
benefits
are linked
with it, such as

i) Money back on
This phrase/word (depending on the context) can be potentially replaced with :
purchase
of grocery/gas.

ii) International travel/hotel booking benefits based on a pointing system and
You use this word too often, consider replacing it with
cash
back.

iii) Covered rental car insurance upon paying rental of car with
You use this word too often, consider replacing it with
credit
card.

iv) Missing
You use this word too often, consider replacing it with
card
can be block
Possible spelling mistake found.
quicky
upon calling
You use this word too often, consider replacing it with
bank
, which
This phrase/word (depending on the context) can be potentially replaced with :
makes
it theft free,

To conclude
, healthy usage of
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
benefit
You use this word too often, consider replacing it with
individuals
to manage his/her finances and upon any
You use this word too often, consider replacing it with
cash
urgency need in future and even
This phrase/word (depending on the context) can be potentially replaced with :
help
person not to carry
You use this word too often, consider replacing it with
cash
in hand.
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IELTS essay The debate on cash versus credit card has been going on for some time. Credit is still a fairly new concept within the history of finance; so many people would rather stick with paper money. According to you, which is a better payment method, cash or credit?

Essay
  American English
12 paragraphs
307 words
5.5
Overall Band Score
Coherence and Cohesion: 5.0
  • 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: 5.0
  • 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: 5.0
  • Answer all parts of the question
  • ?
    Present relevant ideas
  • Fully explain these ideas
  • Support ideas with relevant, specific examples
Labels Descriptions
  • ?
    Currently is not available
  • Meet the criteria
  • Doesn't meet the criteria
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