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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?

The above passage deals with the compaarison of cash payment to credit payments and why still some people prefer cash payment over a card payment. According to my opinion, I prefer both card and cash payments as the transistion takes place from a more old conventional era to a more digitalized era. Credit card is relatively a new mode of payment method introduced about 10-15 years back. It includes a plastic card issued by a private or an nationalised bank in order to enable a customer to complete a transaction. This credit card can be used at any merchant place to purchase a commodity and he/she can pay the bill later i. e, This works on the credit system, hence the name credit card. Conversly, Many people still prefer the conventional cash payment over the credit due to many factors. Some of them being, the availability of the credit card accepted merchants. As this is relatively new payment method many of the shops are yet to be upgraded to this digital system. One more reason being that networking issues, Network issues hugely delay the transaction processing time which in turn increases the wait time and increasing customer queues. Having a credit card also leads to many unnecessaary purchases and causes ambiguity in our ability to decide our needs. More over many people find it confusing about the concepts or otp or credit interest( the interest imposed by bank on monthly basis). All these constitue to many people still sticking to the hassel- free cash payment. Although cash payments do come with it's own downsides such as counterfeit currency, need to carry exact change and in case of a crumpled note. One needs to maintain the paper currency in good condition for it to be accepted. Me personally have experinced the crumpled note issue when i was at best buy last month which made me use my credit card for payment. At the same time my grandparents being newly introduced to this credit card payment method always prefered cash due to its straightforward nature. Ultimately, It comes down to one's own personal prefrence about the twwo payment methods as both of them have their highs and lows. Many people are transferring from old coventional payment method to somewhat sophisticated digital payment methods. At the end of the day it all boils down to personal preference.
The above passage deals with the
Possible spelling mistake found.
compaarison
of
You use this word too often, consider replacing it with
cash
You use this word too often, consider replacing it with
payment
to
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
payments
and why
still
This phrase/word is too simple and can be replaced with:
some
You use this word too often, consider replacing it with
people
prefer
You use this word too often, consider replacing it with
cash
You use this word too often, consider replacing it with
payment
over a
You use this word too often, consider replacing it with
card
You use this word too often, consider replacing it with
payment
. According to my opinion, I prefer both
You use this word too often, consider replacing it with
card
and
You use this word too often, consider replacing it with
cash
You use this word too often, consider replacing it with
payments
as the
Possible spelling mistake found.
transistion
takes place from a more
This phrase/word is too simple and can be replaced with:
old
conventional era to a more digitalized era.

Credit
You use this word too often, consider replacing it with
card
is
relatively
a new mode of
You use this word too often, consider replacing it with
payment
You use this word too often, consider replacing it with
method
introduced about 10-15 years back. It includes a plastic
You use this word too often, consider replacing it with
card
issued by a private or
Use “a” instead of ‘an’ if the following word doesn’t start with a vowel sound, e.g. ‘a sentence’, ‘a university’.
an
Possible spelling mistake. ‘nationalised’ is British English.
nationalised
bank in order to enable a customer to complete a transaction. This
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
can be
This phrase/word (depending on the context) can be potentially replaced with :
used
at any merchant place to
This phrase/word (depending on the context) can be potentially replaced with :
purchase
a commodity and he/she can pay the bill later i. e, This works on the
You use this word too often, consider replacing it with
credit
system,
hence
the name
You use this word too often, consider replacing it with
credit
card.

Possible spelling mistake found.
Conversly
,
This phrase/word is too simple and can be replaced with:
Many
You use this word too often, consider replacing it with
people
still
prefer the conventional
You use this word too often, consider replacing it with
cash
You use this word too often, consider replacing it with
payment
over the
You use this word too often, consider replacing it with
credit
due to
This phrase/word is too simple and can be replaced with:
many
factors.
This phrase/word is too simple and can be replaced with:
Some
of them being, the availability of the
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
This phrase/word is too simple and can be replaced with:
accepted
merchants. As this is
relatively
new
You use this word too often, consider replacing it with
payment
You use this word too often, consider replacing it with
method
This phrase/word is too simple and can be replaced with:
many
of the shops are
yet
to
be upgraded
to this digital system. One more reason being that networking issues, Network issues
hugely
delay the transaction processing time which in turn increases the wait time and increasing customer queues. Having a
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
also
leads to
This phrase/word is too simple and can be replaced with:
many
Possible spelling mistake found.
unnecessaary
This phrase/word (depending on the context) can be potentially replaced with :
purchases
and causes ambiguity in our ability to decide our needs. More over
This phrase/word is too simple and can be replaced with:
many
You use this word too often, consider replacing it with
people
find it confusing about the concepts or
Possible spelling mistake found.
otp
or
You use this word too often, consider replacing it with
credit
interest
Don’t put a space after the opening parenthesis.
(
the interest imposed by bank on monthly basis). All these
Possible spelling mistake found.
constitue
to
This phrase/word is too simple and can be replaced with:
many
You use this word too often, consider replacing it with
people
still
sticking to the
Possible spelling mistake found.
hassel
- free
You use this word too often, consider replacing it with
cash
You use this word too often, consider replacing it with
payment
. Although
You use this word too often, consider replacing it with
cash
You use this word too often, consider replacing it with
payments
do
This phrase/word (depending on the context) can be potentially replaced with :
come
with
Did you mean “its” (possessive pronoun) instead of ‘it’s’ (short for ‘it is’)?
it's
This phrase/word (depending on the context) can be potentially replaced with :
own
downsides such as counterfeit currency, need to carry exact
This phrase/word (depending on the context) can be potentially replaced with :
change
and in case of a crumpled note. One needs to maintain the paper currency in
This phrase/word (depending on the context) can be potentially replaced with :
good
condition for it to be
This phrase/word is too simple and can be replaced with:
accepted
. Me
personally
have
Possible spelling mistake found.
experinced
the crumpled note issue when
Is this the personal pronoun “I”? It is spelled uppercase.
i
was at best
This phrase/word (depending on the context) can be potentially replaced with :
buy
last month which made me
This phrase/word (depending on the context) can be potentially replaced with :
use
my
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
for
You use this word too often, consider replacing it with
payment
. At the same time my grandparents being
newly
introduced to this
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
You use this word too often, consider replacing it with
payment
You use this word too often, consider replacing it with
method
always
Possible spelling mistake. Did you mean “preferred”, the past tense form of the verb ‘prefer’?
prefered
You use this word too often, consider replacing it with
cash
due to its straightforward nature.

Ultimately
, It
This phrase/word (depending on the context) can be potentially replaced with :
comes
down to one's
This phrase/word (depending on the context) can be potentially replaced with :
own
personal
Possible spelling mistake found.
prefrence
about the
Possible spelling mistake found.
twwo
You use this word too often, consider replacing it with
payment
You use this word too often, consider replacing it with
methods
as both of them have their highs and lows.
This phrase/word is too simple and can be replaced with:
Many
You use this word too often, consider replacing it with
people
are transferring from
This phrase/word is too simple and can be replaced with:
old
Possible spelling mistake found.
coventional
You use this word too often, consider replacing it with
payment
You use this word too often, consider replacing it with
method
to somewhat sophisticated digital
You use this word too often, consider replacing it with
payment
You use this word too often, consider replacing it with
methods
. At the
This phrase/word (depending on the context) can be potentially replaced with :
end
of the day it all boils down to personal preference.
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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
4 paragraphs
394 words
5.5
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: 5.0
  • 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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