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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?

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. 2blOA
Introduction of credit card in the financial system by banks has made the lives of numerous people much easier. On the contrary, the difficulty is that mostly people use the credit card recklessly and thus, fell into the debt trap. There is a group of people that holds the opinion that prior to issuing the card to an individual, banks should investigate about the credit history of that person. I whole heartedly support this point of view, nevertheless in my opinion, it may not always help as financial stability of individuals keeps on changing, consequently, there is no way for banks to verify the repayment capacity of people. Countless people are pushed into the vicious cycle of debt due to irresponsible use of credit card. Still, demand for credit card is upsurging as people consider it a means to improve their lifestyle. As credit cards are easy to use and are acceptable at almost every place, the graph of their usage is increasing exponentially. It is unfortunate that a lot of people do not use them responsibly and fell into the debt cycle. Banks do not issue credit cards unless they are completely satisfied with the financial status of the customers. They always check the credit history of the customers and explain to them the burdensome consequences of the debt due to the unwise usage of credit cards. Still, numerous people use credit cards incautiously and fell into the debt trap. So, it is unwise to blame the bank alone for the mistakes of customers. Another factor that should be taken into consideration is the unpredictable nature of a person’s situation as people may lose job or fell ill. In both situations people are unable to pay back the debt so these situations cannot be predicted and are not under the control of neither the individuals nor banks. In the culmination of above discussion, it can be safely said that it is almost impossible to predict the nature of people’s financial situation. People may fell ill or lose job which cannot be predicted by neither bank not individuals. So many people are pushed into the vicious cycle of debt due to irresponsible use of credit card. Still, demand for credit card is upsurging as people consider it a means to improve their lifestyle. As credit cards are easy to use and are acceptable at almost every place, the graph of their usage is increasing exponentially. It is unfortunate that many people do not use them responsibly and fell into the debt cycle. Banks do not issue credit cards unless they are completely satisfied with the financial status of the customers. They always check the credit history of the customers and explain them the burdensome consequences of the debt due to the unwise usage of credit cards. Still, numerous people use credit cards incautiously and fell into the debt trap. So, it is unwise to blame the bank alone for the mistakes of customers. Another factor that should be taken into consideration is the unpredictable nature of a person’s situation as people may lose job or fell ill. In both situations people are unable to pay back the debt so these situations cannot be predicted and are not under the control of neither the individuals nor banks. In the culmination of above discussion, it can be safely said that it is almost impossible to predict the nature of people’s financial situation. People may fell ill or lose job which cannot be predicted by neither bank not individuals.
Introduction of
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
in the
You use this word too often, consider replacing it with
financial
system by
You use this word too often, consider replacing it with
banks
has made the
This phrase/word (depending on the context) can be potentially replaced with :
lives
of numerous
You use this word too often, consider replacing it with
people
much easier.
On the contrary
, the difficulty is that
mostly
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
credit
You use this word too often, consider replacing it with
card
recklessly
and
thus
,
You use this word too often, consider replacing it with
fell
into the
You use this word too often, consider replacing it with
debt
trap. There is a group of
You use this word too often, consider replacing it with
people
that holds the opinion that prior to issuing the
You use this word too often, consider replacing it with
card
to an
You use this word too often, consider replacing it with
individual
,
You use this word too often, consider replacing it with
banks
should investigate about the
You use this word too often, consider replacing it with
credit
history of that person. I whole
heartedly
support this point of view,
nevertheless
in my opinion, it may not always
This phrase/word (depending on the context) can be potentially replaced with :
help
as
You use this word too often, consider replacing it with
financial
stability of
You use this word too often, consider replacing it with
individuals
This phrase/word (depending on the context) can be potentially replaced with :
keeps
on changing,
consequently
, there is no way for
You use this word too often, consider replacing it with
banks
to verify the repayment capacity of
This phrase/word (depending on the context) can be potentially replaced with :
people
.

Countless
You use this word too often, consider replacing it with
people
are pushed
into the vicious cycle of
You use this word too often, consider replacing it with
debt
You use this word too often, consider replacing it with
due
to 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
card
.
Still
, demand for
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
is upsurging as
You use this word too often, consider replacing it with
people
consider it a means to
This phrase/word (depending on the context) can be potentially replaced with :
improve
their lifestyle. As
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 are acceptable at
You use this word too often, consider replacing it with
almost
every place, the graph of their
You use this word too often, consider replacing it with
usage
is increasing
exponentially
. It is unfortunate that
This phrase/word is too simple and can be replaced with:
a lot of
You use this word too often, consider replacing it with
people
do not
This phrase/word (depending on the context) can be potentially replaced with :
use
them
responsibly
and
You use this word too often, consider replacing it with
fell
into the
You use this word too often, consider replacing it with
debt
cycle.

Banks do not issue
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
unless they are completely satisfied with the
You use this word too often, consider replacing it with
financial
status of the
You use this word too often, consider replacing it with
customers
. 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 of the
You use this word too often, consider replacing it with
customers
and
This phrase/word (depending on the context) can be potentially replaced with :
explain
to them the burdensome consequences of the
You use this word too often, consider replacing it with
debt
You use this word too often, consider replacing it with
due
to the
You use this word too often, consider replacing it with
unwise
You use this word too often, consider replacing it with
usage
of
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
.
Still
, numerous
You use this word too often, consider replacing it with
people
This phrase/word (depending on the context) can be potentially replaced with :
use
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
incautiously
and
You use this word too often, consider replacing it with
fell
into the
You use this word too often, consider replacing it with
debt
trap.
This phrase/word is too simple and can be replaced with:
So
, it is
You use this word too often, consider replacing it with
unwise
to blame the
You use this word too often, consider replacing it with
bank
alone for the mistakes of customers.

Another factor that should
be taken
into consideration is the unpredictable
You use this word too often, consider replacing it with
nature
of a person’s
You use this word too often, consider replacing it with
situation
as
You use this word too often, consider replacing it with
people
may
You use this word too often, consider replacing it with
lose
You use this word too often, consider replacing it with
job
or
You use this word too often, consider replacing it with
fell
You use this word too often, consider replacing it with
ill
. In both
You use this word too often, consider replacing it with
situations
You use this word too often, consider replacing it with
people
are unable to pay back the
You use this word too often, consider replacing it with
debt
This phrase/word is too simple and can be replaced with:
so
these
You use this word too often, consider replacing it with
situations
cannot be
You use this word too often, consider replacing it with
predicted
and are not under the control of neither the
You use this word too often, consider replacing it with
individuals
nor banks.

In the culmination of above discussion, it can be
safely
said that it is
You use this word too often, consider replacing it with
almost
impossible to predict the
You use this word too often, consider replacing it with
nature
of
You use this word too often, consider replacing it with
people’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
may
You use this word too often, consider replacing it with
fell
You use this word too often, consider replacing it with
ill
or
You use this word too often, consider replacing it with
lose
You use this word too often, consider replacing it with
job
which cannot be
You use this word too often, consider replacing it with
predicted
by neither
You use this word too often, consider replacing it with
bank
not individuals.

This phrase/word is too simple and can be replaced with:
So
This phrase/word is too simple and can be replaced with:
many
You use this word too often, consider replacing it with
people
are pushed
into the vicious cycle of
You use this word too often, consider replacing it with
debt
You use this word too often, consider replacing it with
due
to 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
card
.
Still
, demand for
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
is upsurging as
You use this word too often, consider replacing it with
people
consider it a means to
This phrase/word (depending on the context) can be potentially replaced with :
improve
their lifestyle. As
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 are acceptable at
You use this word too often, consider replacing it with
almost
every place, the graph of their
You use this word too often, consider replacing it with
usage
is increasing
exponentially
. It is unfortunate that
This phrase/word is too simple and can be replaced with:
many
You use this word too often, consider replacing it with
people
do not
This phrase/word (depending on the context) can be potentially replaced with :
use
them
responsibly
and
You use this word too often, consider replacing it with
fell
into the
You use this word too often, consider replacing it with
debt
cycle.

Banks do not issue
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
unless they are completely satisfied with the
You use this word too often, consider replacing it with
financial
status of the
You use this word too often, consider replacing it with
customers
. 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 of the
You use this word too often, consider replacing it with
customers
and
This phrase/word (depending on the context) can be potentially replaced with :
explain
The verb 'to explain something to someone' requires a preposition.
them
the burdensome consequences of the
You use this word too often, consider replacing it with
debt
You use this word too often, consider replacing it with
due
to the
You use this word too often, consider replacing it with
unwise
You use this word too often, consider replacing it with
usage
of
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
.
Still
, numerous
You use this word too often, consider replacing it with
people
This phrase/word (depending on the context) can be potentially replaced with :
use
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
incautiously
and
You use this word too often, consider replacing it with
fell
into the
You use this word too often, consider replacing it with
debt
trap.
This phrase/word is too simple and can be replaced with:
So
, it is
You use this word too often, consider replacing it with
unwise
to blame the
You use this word too often, consider replacing it with
bank
alone for the mistakes of customers.

Another factor that should
be taken
into consideration is the unpredictable
You use this word too often, consider replacing it with
nature
of a person’s
You use this word too often, consider replacing it with
situation
as
You use this word too often, consider replacing it with
people
may
You use this word too often, consider replacing it with
lose
You use this word too often, consider replacing it with
job
or
You use this word too often, consider replacing it with
fell
You use this word too often, consider replacing it with
ill
. In both
You use this word too often, consider replacing it with
situations
You use this word too often, consider replacing it with
people
are unable to pay back the
You use this word too often, consider replacing it with
debt
This phrase/word is too simple and can be replaced with:
so
these
You use this word too often, consider replacing it with
situations
cannot be
You use this word too often, consider replacing it with
predicted
and are not under the control of neither the
You use this word too often, consider replacing it with
individuals
nor banks.

In the culmination of above discussion, it can be
safely
said that it is
You use this word too often, consider replacing it with
almost
impossible to predict the
You use this word too often, consider replacing it with
nature
of
You use this word too often, consider replacing it with
people’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
may
You use this word too often, consider replacing it with
fell
You use this word too often, consider replacing it with
ill
or
You use this word too often, consider replacing it with
lose
You use this word too often, consider replacing it with
job
which cannot be
You use this word too often, consider replacing it with
predicted
by neither
You use this word too often, consider replacing it with
bank
not
You use this word too often, consider replacing it with
individuals
.
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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.

Essay
  American English
9 paragraphs
586 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
Labels Descriptions
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    Currently is not available
  • Meet the criteria
  • Doesn't meet the criteria
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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?