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. The reason that most people are in debt is the over use as well as the irresponsible use of credit card. Banks ought to do a background check and only issue credit card to individual who have the ability to pay back their debt. What is your opinion?

Using the credit card unwisely and carelessly have become the reason that many people are under financial obligations or in debt crises. Hence, in my opinion, banks should check the credit history and financial status of the person before issuing him credit card. As credit card is now accessibleeverywhere easily therefore, people find it easier to make payment through it. Butthere are, certain individual who only use credit card as a mean to show off their lifestyle and to prove that they have more money than others. This irresponsible usage of credit card pushed them into debt trap because of which, they borrow a lot of money from others to pay their bills due to debt crises. Banks should take the responsibility of it and they must check the credit history and financial status of an individual before the issuance of credit card. Furthermore, people who do not know the limit of their credit card spend more than they want to because of which in the end they are unable to pay their bills. Hence, banks should make their client aware of the conditions and consequences that can occur if one is unable to repay his debts. To sum up, customers must control their spending habits to protect themselves from financial debts. They must maintain a check in balance between what is the limit of card and how much they can spend through it. Moreover, banks should check the financial status of an individual before the credit card issuance.
Using the
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
unwisely
and
carelessly
have become the reason that
This phrase/word is too simple and can be replaced with:
many
This phrase/word (depending on the context) can be potentially replaced with :
people
are under
You use this word too often, consider replacing it with
financial
obligations or in
You use this word too often, consider replacing it with
debt
crises.
Hence
, in my opinion, banks should
You use this word too often, consider replacing it 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
status of the person
This phrase/word is too simple and can be replaced with:
before
issuing him
You use this word too often, consider replacing it with
credit
card.

As
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
is
This phrase/word (depending on the context) can be potentially replaced with :
now
Possible spelling mistake found.
accessibleeverywhere
easily
therefore
,
This phrase/word (depending on the context) can be potentially replaced with :
people
find it easier to
This phrase/word (depending on the context) can be potentially replaced with :
make
payment through it.
Possible spelling mistake found.
Butthere
are, certain individual who
This phrase/word (depending on the context) can be potentially replaced with :
only
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
card
as a mean to
This phrase/word (depending on the context) can be potentially replaced with :
show
off their lifestyle and to prove that they have more money than others. This irresponsible usage of
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
pushed them into
You use this word too often, consider replacing it with
debt
trap
This phrase/word is too simple and can be replaced with:
because
of which, they borrow
This phrase/word is too simple and can be replaced with:
a lot of
money from others to pay their bills due to
You use this word too often, consider replacing it with
debt
crises.

Banks should take the responsibility of
Use a comma before ‘and’ if it connects two independent clauses (unless they are closely connected and short).
it and
they
This phrase/word (depending on the context) can be potentially replaced with :
must
You use this word too often, consider replacing it 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
status of an individual
This phrase/word is too simple and can be replaced with:
before
the issuance of
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
.
Furthermore
,
This phrase/word (depending on the context) can be potentially replaced with :
people
who do not know the limit of their
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
spend more than they want to
This phrase/word is too simple and can be replaced with:
because
of which in the
This phrase/word (depending on the context) can be potentially replaced with :
end
they are unable to pay their bills.
Hence
, banks should
This phrase/word (depending on the context) can be potentially replaced with :
make
their client aware of the conditions and consequences that can occur if one is unable to repay his debts.

To sum up, customers
This phrase/word (depending on the context) can be potentially replaced with :
must
control their spending habits to protect themselves from
You use this word too often, consider replacing it with
financial
You use this word too often, consider replacing it with
debts
. They
This phrase/word (depending on the context) can be potentially replaced with :
must
maintain a
You use this word too often, consider replacing it with
check
in balance between what is the limit of
You use this word too often, consider replacing it with
card
and how much they can spend through it.
Moreover
, banks should
You use this word too often, consider replacing it with
check
the
You use this word too often, consider replacing it with
financial
status of an individual
This phrase/word is too simple and can be replaced with:
before
the
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
issuance.
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IELTS essay . The reason that most people are in debt is the over use as well as the irresponsible use of credit card. Banks ought to do a background check and only issue credit card to individual who have the ability to pay back their debt. What is your opinion?

Essay
  American English
4 paragraphs
249 words
This writing has been penalized,
text can't be
less than 250 words in Task 2
and less than 150 words in Task 1
5.0
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: 5.0
  • 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: 6.0
  • 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
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    Currently is not available
  • Meet the criteria
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