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The reason that most individuals are in debt is due to the overuse and irresponsible use of credit cards. Banks should not issue credit cards unless they are completely sure of an individual’s ability to pay back their debts. To what extent do you agree with this? v.1

The reason that most individuals are in debt is due to the overuse and irresponsible use of credit cards. Banks should not issue credit cards unless they are completely sure of an individual’s ability to pay back their debts. v. 1
Negligent use of credit cards can cause debts. Thereby, I agree that banks should check the financial strength and the repaying capacity of a person before offering them electronic card facility. This essay will discuss how an inappropriate usage of plastic card will put an individual at a financial risk. Irresponsible use of credit cards can push anyone into the debt trap. Still, the demand for credit cards continues to increase. People consider credit cards as a means to improve lifestyles. They borrow more money than they should as the credit cards are easy to use and readily acceptable in so many places. Unfortunately, some people cannot pay back the debts and get into huge financial trouble. Banks usually won’t issue credit cards if they are not completely satisfied with the finances of the customer. They always check the credit history and financial situation of the customer and also explain the burdensome consequences that can happen to the customer if they use the card irresponsibly. Still, many people use the card carelessly and get into permanent debt. So it is unfair to blame the bank alone for the credit card holder’s mistakes. Another factor that we need to acknowledge is the unpredictable nature of a person’s financial situation. People can fall ill or lose their job. Both of these are situations that can considerably affect a person’s ability to repay his debt. In most cases such situations cannot be predicted and are not in the control of either the bank or the customer. To conclude, it is important for the banks to verify the customer’s ability to pay back debts before giving them credit cards. Customers also have a responsibility to control their spending habits to protect themselves from debt.
Negligent
This phrase/word (depending on the context) can be potentially replaced with :
use
of
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
can cause
You use this word too often, consider replacing it with
debts
. Thereby, I
This phrase/word (depending on the context) can be potentially replaced with :
agree
that
You use this word too often, consider replacing it with
banks
should
This phrase/word (depending on the context) can be potentially replaced with :
check
the
You use this word too often, consider replacing it with
financial
strength and the repaying capacity of a person
This phrase/word is too simple and can be replaced with:
before
offering them electronic
You use this word too often, consider replacing it with
card
facility. This essay will discuss how an inappropriate usage of plastic
You use this word too often, consider replacing it with
card
will put an individual at a
You use this word too often, consider replacing it with
financial
This phrase/word (depending on the context) can be potentially replaced with :
risk
.

Irresponsible
This phrase/word (depending on the context) can be potentially replaced with :
use
of
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
can push anyone into the
You use this word too often, consider replacing it with
debt
trap.
Still
, the demand for
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
continues to increase.
You use this word too often, consider replacing it with
People
consider
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
as a means to
This phrase/word (depending on the context) can be potentially replaced with :
improve
lifestyles. They borrow more money than they should as the
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
are easy to
This phrase/word (depending on the context) can be potentially replaced with :
use
and
readily
acceptable in
This phrase/word is too simple and can be replaced with:
so
This phrase/word is too simple and can be replaced with:
many
places. Unfortunately,
This phrase/word is too simple and can be replaced with:
some
You use this word too often, consider replacing it with
people
cannot pay back the
You use this word too often, consider replacing it with
debts
and
This phrase/word (depending on the context) can be potentially replaced with :
get
into huge
You use this word too often, consider replacing it with
financial
trouble.

Banks
usually
won’t issue
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
if they are not completely satisfied with the finances of the
You use this word too often, consider replacing it with
customer
. They always
This phrase/word (depending on the context) can be potentially replaced with :
check
the
You use this word too often, consider replacing it with
credit
history and
You use this word too often, consider replacing it with
financial
You use this word too often, consider replacing it with
situation
of the
You use this word too often, consider replacing it with
customer
and
also
This phrase/word (depending on the context) can be potentially replaced with :
explain
the burdensome consequences that can happen to the
You use this word too often, consider replacing it with
customer
if they
This phrase/word (depending on the context) can be potentially replaced with :
use
the
You use this word too often, consider replacing it with
card
irresponsibly
.
Still
,
This phrase/word is too simple and can be replaced with:
many
You use this word too often, consider replacing it with
people
This phrase/word (depending on the context) can be potentially replaced with :
use
the
You use this word too often, consider replacing it with
card
carelessly
and
This phrase/word (depending on the context) can be potentially replaced with :
get
into permanent
You use this word too often, consider replacing it with
debt
.
This phrase/word is too simple and can be replaced with:
So
it is unfair to blame the
You use this word too often, consider replacing it with
bank
alone for the
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
holder’s mistakes.

Another factor that we need to acknowledge is the unpredictable nature of a person’s
You use this word too often, consider replacing it with
financial
You use this word too often, consider replacing it with
situation
.
You use this word too often, consider replacing it with
People
can fall ill or lose their job. Both of these are
You use this word too often, consider replacing it with
situations
that can
considerably
affect a person’s ability to repay his
You use this word too often, consider replacing it with
debt
.
In most cases
such
You use this word too often, consider replacing it with
situations
cannot
be predicted
and are not in the control of either the
You use this word too often, consider replacing it with
bank
or the customer.

To conclude
, it is
This phrase/word is too simple and can be replaced with:
important
for the
You use this word too often, consider replacing it with
banks
to verify the
You use this word too often, consider replacing it with
customer’s
ability to pay back
You use this word too often, consider replacing it with
debts
This phrase/word is too simple and can be replaced with:
before
giving them
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
.
You use this word too often, consider replacing it with
Customers
also
have a responsibility to control their spending habits to protect themselves from
You use this word too often, consider replacing it with
debt
.
8Linking words, meeting the goal of 7 or more
50Repeated words, meeting the goal of 3 or fewer
0Mistakes

IELTS essay The reason that most individuals are in debt is due to the overuse and irresponsible use of credit cards. Banks should not issue credit cards unless they are completely sure of an individual’s ability to pay back their debts. v. 1

Essay
  American English
5 paragraphs
290 words
6
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: 6.0
  • 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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