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The reason that most people are in debt is the overuse as well as irresponsible use of credit cards. Banks ought to do a background check and only issue credit cards to individuals who have the ability to pay back their debts. What is your opinion? v.1

The reason that most people are in debt is the overuse as well as irresponsible use of credit cards. Banks ought to do a background check and only issue credit cards to individuals who have the ability to pay back their debts. What is your opinion? v. 1
I agree to the fact that many credit card holders spend extravagantly without realizing the payback terms and conditions. I am going to express my views on how banks can verify one’s capability to repay in the following essay. The credit card is a marketing gimmick in the banking sector, which allows you to spend, without having money in your account. They give the leverage to spend up to a certain limit which was fixed while applying for the credit card based on current income. Usually credit card holders spend more than required because they are not spending actual money and the limit is usually 2 to 3 times of their income, also, not aware about the payback terms and conditions that they need to pay back the spent money with a pre-defined percentage interest in a pre-defined time. Not doing so will attract penalties and higher interest returns. However, bank authorities can make it mandatory to do a proper background check before issuing a credit card. Sales representatives should be penalized if a background check is not done properly. A background check should include the list of existing credit cards, their payback payment patterns, current liabilities, the existing credit card spending pattern, source of income. For example, banks should not issue credit cards to students or fresh professionals as they do not satisfy the basic eligibility criteria’s for holding a credit card. All in all, more and transparent information to credit card seekers and proper verification of eligibility criteria before issuing a credit card will help people use the credit card efficiently and to clear the debts in time.
I
This phrase/word (depending on the context) can be potentially replaced with :
agree
to the fact that
This phrase/word is too simple and can be replaced with:
many
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
holders
You use this word too often, consider replacing it with
spend
extravagantly
without realizing the payback terms and conditions. I am going to express my views on how banks can verify one’s capability to repay in the following essay.

The
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
is a marketing gimmick in the banking sector, which
This phrase/word (depending on the context) can be potentially replaced with :
allows
you to
You use this word too often, consider replacing it with
spend
, without having money in your account. They give the leverage to
You use this word too often, consider replacing it with
spend
up to a certain limit which was
This phrase/word (depending on the context) can be potentially replaced with :
fixed
while applying for the
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
based on
This phrase/word (depending on the context) can be potentially replaced with :
current
income.
Usually
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
holders
You use this word too often, consider replacing it with
spend
more than required
This phrase/word is too simple and can be replaced with:
because
they are not spending actual money and the limit is
usually
2 to 3 times of their income,
also
, not aware about the payback terms and conditions that they need to pay back the spent money with a
Possible spelling mistake found.
pre-defined
percentage interest in a
Possible spelling mistake found.
pre-defined
time. Not doing
This phrase/word is too simple and can be replaced with:
so
will attract penalties and higher interest returns.

However
, bank authorities can
This phrase/word (depending on the context) can be potentially replaced with :
make
it mandatory to do a proper background
This phrase/word (depending on the context) can be potentially replaced with :
check
This phrase/word is too simple and can be replaced with:
before
issuing a
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
. Sales representatives should
be penalized
if a background
This phrase/word (depending on the context) can be potentially replaced with :
check
is not done
properly
. A background
This phrase/word (depending on the context) can be potentially replaced with :
check
should include the list of existing
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
, their payback payment patterns,
This phrase/word (depending on the context) can be potentially replaced with :
current
liabilities, the existing
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
spending pattern, source of income.
For example
, banks should not issue
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
to students or fresh professionals as they do not satisfy the basic eligibility criteria’s for holding a
You use this word too often, consider replacing it with
credit
card.

All in all, more and transparent information to
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
seekers and proper verification of eligibility criteria
This phrase/word is too simple and can be replaced with:
before
issuing a
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
will
This phrase/word (depending on the context) can be potentially replaced with :
help
This phrase/word (depending on the context) can be potentially replaced 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
efficiently
and to
This phrase/word (depending on the context) can be potentially replaced with :
clear
the debts in time.
5Linking words, meeting the goal of 7 or more
27Repeated words, meeting the goal of 3 or fewer
2Mistakes

IELTS essay The reason that most people are in debt is the overuse as well as irresponsible use of credit cards. Banks ought to do a background check and only issue credit cards to individuals who have the ability to pay back their debts. What is your opinion? v. 1

Essay
  American English
4 paragraphs
270 words
6
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: 6.5
  • 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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