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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?

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? 2NQJ
In the contemporary era, because of crossing their financial limits, most people are struggling to make out credit card bills. Banks should come up with new protocols which allows them to take control of releasing the credit card for those who are incapable. And I totally agree with the statement. Two arguments which contributes my opinion are explained in the below along with the conclusion. To begin with, we are living in generation where everything is materialistic. We have assumed that, respect, love and more importantly image in the society comes with money-oriented things we possess. Subsequently, irrespective of our financial stability, we tend to buy expensive items which are least important for us whereas more important for others. For instance, last year, we brought very expensive furniture only to impress relatives. In the nutshell, we spend most of the money in building high class image in society without considering our financial stability; consequently, we become part of irresponsible customers group. Regarding issuing the credit cards, banks should come up with some strict rules and regulation which allows them to check person’s financial capabilities. By granting such things, banks can have a complete control over distributing the credit cards and they can only release the credit card who is capable of. All in all, banks should have protocols to take control over distributing the credit cards. It can be concluded that, we as human beings, it is most important that, we should act like a responsible customer for the banks and control all the expenses which are of unnecessary. At the same time, banks should also have some decisive criteria’s before releasing credit cards to customers.
In the contemporary era,
This phrase/word is too simple and can be replaced with:
because
of crossing their
You use this word too often, consider replacing it with
financial
limits, most
This phrase/word (depending on the context) can be potentially replaced with :
people
are struggling to
This phrase/word (depending on the context) can be potentially replaced with :
make
out
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
bills.
You use this word too often, consider replacing it with
Banks
should
This phrase/word (depending on the context) can be potentially replaced with :
come
up with new protocols which
This phrase/word (depending on the context) can be potentially replaced with :
allows
them to take
You use this word too often, consider replacing it with
control
of releasing the
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
for those who are incapable. And I
totally
This phrase/word (depending on the context) can be potentially replaced with :
agree
with the statement. Two arguments which contributes my opinion are
This phrase/word (depending on the context) can be potentially replaced with :
explained
in the below along with the conclusion.

To
This phrase/word (depending on the context) can be potentially replaced with :
begin
with, we are living in generation where everything is materialistic. We have assumed that, respect,
This phrase/word (depending on the context) can be potentially replaced with :
love
and more
importantly
image in the society
This phrase/word (depending on the context) can be potentially replaced with :
comes
with money-oriented things we possess.
Subsequently
, irrespective of our
You use this word too often, consider replacing it with
financial
stability, we tend to
This phrase/word (depending on the context) can be potentially replaced with :
buy
expensive items which are least
This phrase/word is too simple and can be replaced with:
important
for us whereas more
This phrase/word is too simple and can be replaced with:
important
for others.
For instance
, last year, we brought
This phrase/word is too simple and can be replaced with:
very
expensive furniture
This phrase/word (depending on the context) can be potentially replaced with :
only
to impress relatives. In the nutshell, we spend most of the money in building high
This phrase/word (depending on the context) can be potentially replaced with :
class
image in society without considering our
You use this word too often, consider replacing it with
financial
stability;
consequently
, we become part of irresponsible customers group.

Regarding issuing the
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
banks
should
This phrase/word (depending on the context) can be potentially replaced with :
come
up with
This phrase/word is too simple and can be replaced with:
some
strict
This phrase/word (depending on the context) can be potentially replaced with :
rules
and regulation which
This phrase/word (depending on the context) can be potentially replaced with :
allows
them to
This phrase/word (depending on the context) can be potentially replaced with :
check
person’s
You use this word too often, consider replacing it with
financial
capabilities. By granting such things,
You use this word too often, consider replacing it with
banks
can have a complete
You use this word too often, consider replacing it with
control
over distributing the
You use this word too often, consider replacing it with
credit
Use a comma before 'and' if it connects two independent clauses (unless they are closely connected and short).
cards and
they can
This phrase/word (depending on the context) can be potentially replaced with :
only
release the
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
card
who is capable of. All in all,
You use this word too often, consider replacing it with
banks
should have protocols to take
You use this word too often, consider replacing it with
control
over distributing the
You use this word too often, consider replacing it with
credit
cards.

It can
be concluded
that, we as human beings, it is most
This phrase/word is too simple and can be replaced with:
important
that, we should act like a responsible customer for the
You use this word too often, consider replacing it with
banks
and
You use this word too often, consider replacing it with
control
all the expenses which are of unnecessary. At the same time,
You use this word too often, consider replacing it with
banks
should
also
have
This phrase/word is too simple and can be replaced with:
some
decisive criteria’s
This phrase/word is too simple and can be replaced with:
before
releasing
You use this word too often, consider replacing it with
credit
You use this word too often, consider replacing it with
cards
to customers.

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?

Essay
  American English
4 paragraphs
276 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: 7.0
  • 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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