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IELTS Writing Task 2 – Topic Credit Cards

Nowadays it is easy to apply for and be given a credit card. However, some people experience problems when they are not able to pay their debts back.

Do the advantages of credit cards outweigh the disadvantages?

credit card essay in ielts

Sample Answer: Band 8+

In the modern era, obtaining a credit card has become a simple process, granting individuals greater access to funds and enabling them to make purchases with ease. Despite the potential issues that may arise for those unable to repay their debts, I believe the advantages of credit cards significantly outweigh the disadvantages.

One of the primary advantages of credit cards is the convenience they offer. Credit cards enable users to make purchases without carrying large sums of cash, minimizing the risk of theft or loss. Additionally, credit cards allow individuals to make purchases online or in foreign countries, simplifying transactions and increasing accessibility to a wider range of products and services. Furthermore, credit cards provide financial flexibility, as they enable users to cover unexpected expenses and pay off the balance over time, thereby easing potential financial stress.

Another notable advantage of credit cards is the consumer protection they provide. Many credit card companies offer features such as fraud protection, allowing users to dispute unauthorized charges and avoid financial loss. This added security promotes consumer confidence in making transactions, both online and in person. An example is the fraud protection feature provided by Visa. Imagine a situation where a cardholder discovers a fraudulent online transaction. Visa’s fraud protection policy allows this cardholder to dispute the charge, and after a brief investigation, the credit card company confirms the transaction was indeed unauthorized. 

In conclusion, while the misuse of credit cards can result in financial difficulties for some individuals, I believe that the advantages of credit cards outweigh the potential drawbacks.

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Ielts writing task 2 sample 482 - many people are using credit cards or loans to run up huge personal debts, ielts writing task 2/ ielts essay:, many people are using credit cards or loans to run up huge personal debts that they may be unable to repay. it should, therefore, be made more difficult for individuals to borrow large amounts of money..

credit card essay in ielts

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Band 7+: Nowadays, it is easy to apply for and be given a credit card. However, some people experience problems when they are not able to pay their debts back. In your opinion, do the advantages of credit cards outweigh the disadvantages?

Today, while acquiring a credit card has become easier, many individuals face financial issues because they cannot pay back their debts. This writing would argue that the drawbacks of this trend are more significant than the benefits.

One drawback of credit cards is that it is easy to overspend. Depending on your credit card limit, a new credit may give you access to more funds than you have in the past. If you are irresponsible, you can make unnecessary purchases, which may lead to damage financial health. Another negative aspect is that the interest rate is typically much higher than with a traditional loan. When you use your credit card, you have to pay for not only the annual interest rate charged but also service fees, and penalties for late payments.

However, the disadvantages above pale in comparison with the advantages. Firstly, it is a great way to build credit. When people provide access to credit cards, their borrowing money history and paying it back are recorded. If they use credit cards frequently or pay their monthly installment on time, they will be assessed with higher credit scores, which can help them borrow higher credit limits. Another positive is that credit cards are more secure than cash. For example, if you lose your credit card, you can announce to the credit card company to place a hold on it to avoid fraudulent purchases whereas if you lose a little money, you cannot find it again.

In conclusion, the demerits of this trend certainly surpass its merits. Not only can people overspend easily but they also can pay for higher interest rates.

Check Your Own Essay On This Topic?

Generate a band-9 sample with your idea, overall band score, task response, coherence & cohesion, lexical resource, grammatical range & accuracy, essays on the same topic:, nowadays, it is easy to apply for and be given a credit card. however, some people experience problems when they are not able to pay their debts back. in your opinion, do the advantages of credit cards outweigh the disadvantages.

In the growing world of technology and electronic money, one of the easiest ways to shop is a credit card and it is much easier to apply for it and get one. A credit card has a lot of benefits, as well as drawbacks, that we will discuss in the essay. Getting a credit card […]

In today’s complex world,numerous issues and topics are subject to debate.one such topic is credit card.it is true that every topic has its advantages and disadvantages,the benifits of credit card outweigh the drawbacks.This essay will explore the various advantages and explain why they are more significant compared to disadvantages. To begin with,one prominent advantage is […]

Today, while acquiring a credit card has become easier, many individuals face financial issues because they cannot pay back their debts. This writing would argue that the drawbacks of this trend are more significant than the benefits. One benefit of credit cards is that it is a great way to build credit. When people use […]

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credit card essay in ielts

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Using credit cards: benefits and drawbacks.

  • by EssayKing Blog
  • Less than a minute

credit card essay in ielts

Nowadays it is easy to apply for and be given a credit card. However, some people experience problems when they are not able to pay their debts back. In your opinion, do the advantages of credit cards outweigh the disadvantages?

I. Introduction

  • The ease of applying for and obtaining a credit card and the potential for problems with debt repayment
  • The debate over whether the advantages of credit cards outweigh the disadvantages

II. Advantages of credit cards

  • The convenience and flexibility of using credit cards for purchases
  • The potential for credit cards to offer rewards or benefits
  • The potential for credit cards to help build credit history or improve credit scores

III. Disadvantages of credit cards

  • The potential for credit card debt to accumulate and become overwhelming
  • The potential for credit card interest rates to be high or predatory
  • The potential for credit card fees to be hidden or unexpected
  • The potential for credit card misuse or abuse to have negative financial or personal consequences

IV. Conclusion

  • Recap of main points and personal stance on the issue
  • The importance of considering the multiple dimensions of the issue and being responsible and informed when using credit cards.

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Nowadays Plastic Money Replacements Such as Credit and Debit Cards are Extremely Popular – IELTS Writing Task 2

Janice Thompson

Updated On Oct 07, 2021

credit card essay in ielts

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Nowadays Plastic Money Replacements Such as Credit and Debit Cards are Extremely Popular – IELTS Writing Task 2

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Nowadays plastic money replacements such as credit and debit cards are extremely popular, even more than banknotes and coins. Discuss the advantages and disadvantages of this.

Advantage/ Disadvantage Essay


Sentence 1: Introduce the topic.

Sentence 2: Analyse the advantages and disadvantages in the following portion.

Body Paragraphs

Paragraph 1 – Positive effects of shift to plastic money

Paragraph 2 – Negative effects of shift to plastic money

Summarize the points and mention the opinion.

Sample Essay

Credit and debit cards are now extremely popular replacements for cash, outpacing the usage of banknotes and coins. This essay examines both the positive and negative effects of the shift.

Some people believe that using electronic cash is more practical, considering that this method has many advantages. Inevitably , either a credit card or debit card permits consumers to make purchases whenever or wherever they want, regardless of whether or not their wallet is stuffed with cash. Moreover, it is easy for people to carry around in their wallets and money is not at risk of being stolen or lost. Additionally, online banking is much easier than traditional banking. The availability of credit cards makes it easy to make payments, transfer funds, and do shopping online, which supports the growth of e-commerce. Furthermore, paper cash can cause health concerns as it can absorb bacteria from the environment and spread illnesses when some people get their hands on it. Therefore, in this manner, it is both convenient and safe to use plastic money.

However, these plastic cards do have some drawbacks. Fraud is the first concern. Essentially, in the case of a stolen debit or credit card, a thief or hacker can receive information about the card and then clone the bank cards using the stolen data, in turn causing them significant financial loss. As payment cards become increasingly popular, international corporations and governments now have a compelling opportunity to collect your personal details. Additionally, electronic cash transactions may be delayed or cancelled at any minute for an array of reasons, such as internet or system failure. During such times, paper money becomes the only acceptable form of currency.

In conclusion, digital credit and debit cards have merits and shortcomings , just like most other technologies. These cards are of great help, but people should understand that it is not always the case; we need to be careful when using them.

Meaning: go, rise, or improve faster than.

Eg: These hovercraft can easily outpace most boats

  •   Inevitably

Meaning: anything certain to happen and cannot be prevented or avoided.

Eg: No matter how much you try, death is inevitable.

Meaning:  Buying and selling things online.

Eg: Nowadays, e-commerce has become a major competitor for traditional retailers.

Meaning: to affect or involve somebody/something

Eg: The main concern is the huge cost involved in this project.

Meaning:  suitable or practical for a particular purpose; not causing difficulty

Eg: This area is convenient for the restaurant.

Meaning: a person who uses a computer to look at and/or change information on another computer without permission

Eg: Hackers may call a company employee and reach their voice mail.

Meaning: an exact copy of someone or something

Eg: She’s an exact clone of her sister.

Meaning: that forces or persuades you to do or to believe something

Eg: Her speech was compelling.

Meaning: a large collection of things especially one that is impressive and is seen by other people

Eg: The delicious smell came from the array of food at the buffet.

  • Shortcomings

Meaning: a fault or weakness

Eg: Your idea seems nice, but it still has many shortcomings.

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Janice Thompson

Janice Thompson

Soon after graduating with a Master’s in Literature from Southern Arkansas University, she joined an institute as an English language trainer. She has had innumerous student interactions and has produced a couple of research papers on English language teaching. She soon found that non-native speakers struggled to meet the English language requirements set by foreign universities. It was when she decided to jump ship into IELTS training. From then on, she has been mentoring IELTS aspirants. She joined IELTSMaterial about a year ago, and her contributions have been exceptional. Her essay ideas and vocabulary have taken many students to a band 9.

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Cash Vs Credit Card advantages and disadvantages.discuss both view

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Include an introduction and conclusion

A conclusion is essential for IELTS writing task 2. It is more important than most people realise. You will be penalised for missing a conclusion in your IELTS essay.

The easiest paragraph to write in an essay is the conclusion paragraph. This is because the paragraph mostly contains information that has already been presented in the essay – it is just the repetition of some information written in the introduction paragraph and supporting paragraphs.

The conclusion paragraph only has 3 sentences:

  • Restatement of thesis
  • Prediction or recommendation

To summarize, a robotic teacher does not have the necessary disciple to properly give instructions to students and actually works to retard the ability of a student to comprehend new lessons. Therefore, it is clear that the idea of running a classroom completely by a machine cannot be supported. After thorough analysis on this subject, it is predicted that the adverse effects of the debate over technology-driven teaching will always be greater than the positive effects, and because of this, classroom teachers will never be substituted for technology.

Start your conclusion with a linking phrase. Here are some examples:

  • In conclusion
  • To conclude
  • To summarize
  • In a nutshell

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in many countries, people are now living longer than ever before. Some people say an ageing population creates problems for governments, while others think there are benefits if society has more elderly people. To what extent do the advantages of having an ageing population outweigh the disadvantages?

It is important for people to take risks, both in their professional lives and their personal lives. do you think the advantages of taking risks utweigh the disadvantages, some people believe that countries should produce the food to feed their population themselves and import as little as possible. to what extend is a positive or negative phenomenom, ou recently booked a part-time course at a college. you now need to cancel your booking. write a letter to the college administrator. in your letter: say which part-time course you booked explain why you need to cancel your booking ask about booking a different course, the development of tourism contributed to english becoming the most prominent language in the world.some people think this will lead to english becoming the only language to be spoken globally. what are the advantages and disadvantages to having one language in the world.

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IELTS essay every one should have a credit card

  • By investing in tourism we can earn a lot of revenue and growth in national economy. At the same time it destroys the local culture. What is your opinion? It is true that tourism adds on to the national economy. When people come from the other countries, they use our resources and pay in their currency. This increases the business of the locals and government get an addition in their treasure. There are two ways of seeing and perceive a situation. Th ...
  • It is often said that crime is one of the main things that makes their quality of life poorer. Crime in developed countries is one of the biggest problems in society. What are the causes of the problem and what measures can be taken to reduce it. Crime is an important fact that makes people's lives poorer. Most people said that it can be a problem that reduces the development of the country. This essay will discuss why crime can destroy the quality of a person and how can we reduce misdemeanours. The main problem with crime is that it can d ...
  • Write a letter to a friend of yours whom you have not met for a long time. In your letter, describe how you have been and describe a few changes in your life during that time. Also invite him or her to join you soon. It has been a long time since we last met and I really have to apologize for that, hoping that everything is going well with you and the family. To begin with I have been working on flexible hours since March, and to be true it has without doubt been a challenging period in many aspects including w ...
  • You have borrowed some books from your university library, but you have not returned them yet. Write a letter to the library official and in your letter describes what happened, express your sincere words of apology and offer what you can do to make it up. The purpose of this letter is to sincerely apologize for the books that I initially borrowed from library of the university and should have returned back by the end of last week, October 18th. To begin with, I have been facing serious health problems for nearly three weeks and this was without doub ...
  • It is important for children to learn the differences between right and wrong at an early age. Punishment is necessary to help them learn this distinction. with this opinion? What sort of punishment should parents Nowadays, to give proper education to kids about what is right and wrong is very much crucial. Because proper knowledge to children about the right and wrong things will lean them to become greater personality in the human society and also provide them respect. But to do so, usually parents and teac ...
  • Some people say that art subjects such as music, drama and creative writing are an essential part of education and every school should include them in its syllabus. Give you opinion and examples from your own experience. It is often opined that every school should incorporate certain specific courses such as music, drama and creative writing in their curriculum since they are considered as a crucial part of the study. I completely agree with this notion. The upcoming paragraphs justify my stand with relevant argumen ...
  • Rapid technological change has shaped the world we live in today. Far from having a positive influence, living in the high-tech world dependent on computers and mobile devices has distracted us from what is really important in life Nowadays, in the 4. 0 era, technology has become an integral part of our daily lives. I completely agree with this statement due to the fact of both the family and health concerns. To begin with, there is no doubt that new technology increases productivity and saves time in all workplaces; for exam ...
  • Recent advancements in technology have made TV screen so live that people do not feel the need to go for live performances eg live shows or concerts It is an unreadable for that due to technology civilians do not prefer to go outside of their home because they have mobile phone laptop and many more to watch different types of videos or like performance I agree with the given statement of reasons to support my opinion in the following paragraph o ...
  • The tables below give information about sales of Fairtrade*-labelled coffee and bananas in 1999 and 2004 in five European countries. *Fairtrade: The table illustrates businesses two goods in years between 5 countries. It is clear that there were significant changes in the amount of sales by all 5 countries shown on the tables. While Uk saw sales of coffee and bananas rise over the 5 years period, the amount of sales products by Sweden increa ...
  • The charts below show the workforce profile at the top management jobs by ethnicity and race in South Africa based on a 2015/16 report. The pie chart displays the proportion of top job position held by people, categorised into five different races. While, the bar chart shows the comparison based on two different sector public and private. Both charts based on a report about South Africa in 2015/16. Overall, it can be clearly seen t ...
  • The range and quality of food we can buy has changed due to technological and scientific advances. Some people believe the range and quality of food has improved while others consider it may be harmful. Many people think that positive convert have been made in range and quality of food that they can buy, whereas the rest of people hold the opposite view. In this essay, I will discuss both sides of views and explain why I believe that the advancement in technology can bring merits to everyone. To s ...
  • The range and quality of food that we can buy has changed because of technological and scientific advances. Some people regard this change as an improvement, while others believe that it is harmful. Discuss both views and give your own opinion Opinions are divided on whether advances in science have led to an improvement or a deterioration in the range and quality of the food we eat. I believe that, although we now have a greater range of food available, the quality is often lower and it may even be dangerous. Looking first at availabili ...
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Cash or credit card ? Which is good to use. Present your views

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IELTS essay Cash or credit card? Which is good to use. Present your views

  • 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
  • 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
  • Use a variety of complex and simple sentences
  • Check your writing for errors
  • Answer all parts of the question
  • ? Present relevant ideas
  • Fully explain these ideas
  • Support ideas with relevant, specific examples
  • ? Currently is not available
  • Meet the criteria
  • Doesn't meet the criteria
  • 6.5 band Nowadays there is a rapid increase of rubbish amounts all arounf the world. What are the causes and solutions of this problem. Irrefutably, it is certainly true that in present days our nation is facing plethora of problems due to polluted environment. The amount of rubbish is one of them. Which is increasing at alarming rate and this problem is also burning question of the day. Therefore, this essay will shed light not onl ...
  • 6 band The impact of digital transformation on the buying behavior of tourists – a study conducted on Swiss inbound tourists to Sri Lanka Digitalization is the incorporation of digital technologies and data to change business operations (Bloomberg, 2018). In tourism, digitalization provides an opportunity to increase the market reach and improve the efficiency of operations. At a collective level, the digital transformation of the tou ...
  • Language is to the mind more than light is to the eye. William Gibson
  • 6.5 band Some people think fame does more harm than good to young people. Do you agree? The fame is becoming a matter of concern among young people, as many of them want to achieve it. As a result, it can be argued that being famous will be more detrimental to the youth than beneficial. In my opinion, I partly agree with this viewpoint. On the one hand, there are several advantages of ...
  • 6.5 band How might we create a society in which all people can contribute to economic success – where do the opportunities lie? Technology has seamlessly integrated with our lives, as we are able to use most of the gadgets without the necessity of having a technological bend. Thanks to the critical thinkers who have contributed towards the conversion of the complex algorithms into user-friendly applications. . The digital ag ...
  • The limits of my language mean the limits of my world. Ludwig Wittgenstein
  • 6 band people are going canada is it good or bad do u agree with the statement or not STATEMENT OF EXPLANATION The Visa officer Canadian Embassy Subject: Re-application for a Study permit It is respectfully submitted that I have been granted admission to Durham College of Applied Arts & Technology (DLI # O19361081012), Oshawa Campus, ON, Canada in the field of Project Management at ...
  • 6.5 band The trends of students going abroad for studies is increasing, is this an advantage or a disadvantage? The trend of students going abroad for study is recently increasing. In my view, I think going to other countries for education have some pitfalls such as adaptation to culture and funding of the cost of education abroad against any disadvantages it might present. Firstly, students who travel to ot ...
  • To have another language is to possess a second soul. Charlemagne

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  1. IELTS Writing Task 2

    Furthermore, credit cards provide financial flexibility, as they enable users to cover unexpected expenses and pay off the balance over time, thereby easing potential financial stress. Another notable advantage of credit cards is the consumer protection they provide. Many credit card companies offer features such as fraud protection, allowing ...

  2. IELTS Writing Task 2/ Essay Topics with sample answer.

    You should write at least 250 words. Sample Answer: Credit card or plastic money is the latest phenomenon and offer a very efficient way to do transactions without handling the actual money. The booming of banking sectors in recent years, on the other hand, has made it possible to apply for and get a credit card easily than ever before.

  3. IELTS essay sample

    Sample response. Nowadays anyone with a decent credit score can get a credit card. Credit cards increase the purchasing power of people and improve their living standards. Unfortunately, if the cards are not used with care, they will land the holder in serious debts. In my opinion, credit cards have both advantages and disadvantages.

  4. 50 Latest Credit IELTS Topics

    Write a letter to the bank manager. In the letter: • Introduce yourself. • Explain that you did not buy the items listed. - I am on vacation • Say what you would like the bank to do to fix the problem.- investigate the case/send revised credit card statemen. Write an essay on the topic.

  5. Band 9 IELTS Essay Sample About Careless Use Of Credit Cards

    Band 9 IELTS essay sample. Careless and irresponsible use of credit cards push many people into debt. Some people, therefore, argue that banks should ensure the customer's ability to pay off their debts before issuing credit cards to them. I agree with this view. While I insist that banks should check the credit history of a person before ...

  6. In a Cashless Society People Use More Credit Cards- IELTS Writing Task

    Meaning : the condition of being transparent. Eg. Cashless transactions ensure transparency in society. Penalty. Meaning : a punishment imposed for breaking a law, rule, or contract. Eg. The charge issued to him carries a maximum penalty. Expenditure. Meaning : the action of spending funds.

  7. IELTS Writing Task 2 Sample 482

    IELTS Writing Task 2/ IELTS Essay: You should spend about 40 minutes on this task. Many people are using credit cards or loans to run up huge personal debts that they may be unable to repay. It should, therefore, be made more difficult for individuals to borrow large amounts of money. ... Credit cards and loans have to be provided by the bank ...

  8. IELTS essay: Will credit cards replace traditional currency?

    Sample essay. The popularity of credit and debit cards has increased tremendously over the years. This is definitely a positive development because cards have eliminated the need to carry cash in our wallets. However, I don't expect cards to replace paper currency in the near future. If credit and debit cards are popular, that is because they ...

  9. In a Cashless Society People Use More Credit Cards IELTS ...

    Band 9 IELTS Essay. Credit cards are one of the advanced discoveries in modern society. Having a credit card has become the status symbol in modern society. However, credit cards have both advantages and disadvantages. The advantages may outweigh the disadvantages depending upon the perception of the user. Talking about the advantages first, a ...

  10. Band 7: Nowadays, it is easy to apply for and be given a credit card

    In today's complex world,numerous issues and topics are subject to debate.one such topic is credit card.it is true that every topic has its advantages and disadvantages,the benifits of credit card outweigh the drawbacks.This essay will explore the various advantages and explain why they are more significant compared to disadvantages.

  11. Using credit cards: Benefits and drawbacks

    The potential for credit cards to offer rewards or benefits; The potential for credit cards to help build credit history or improve credit scores; III. Disadvantages of credit cards. The potential for credit card debt to accumulate and become overwhelming; The potential for credit card interest rates to be high or predatory; The potential for ...

  12. Nowadays It Is Easy To Apply For And Be Given A Credit Card IELTS

    Band 8.5 IELTS Essay. The newest craze is credit cards or plastic money, which provide a very effective means to conduct transactions without handling actual money. On the other side, it is now simpler than ever to apply for and obtain a credit card thanks to the recent expansion in the banking industry. Even if using a credit card is ...

  13. IELTS Writing Task 2: 'credit cards' question

    Posted by: Evie | February 06, 2014 at 01:09. HI SIMON, i have two questions for the task. 1. should i mention "credit card is easy to apply and give". in my essay, i sense the point of this question is "credit cards' advantages and disadvantages".

  14. Nowadays Plastic Money Replacements Such as Credit and Debit Cards are

    Sample Essay. Credit and debit cards are now extremely popular replacements for cash, outpacing the usage of banknotes and coins. This essay examines both the positive and negative effects of the shift. Some people believe that using electronic cash is more practical, considering that this method has many advantages.

  15. Band 7 IELTS Essay Sample

    Band 7 IELTS Essay Sample. Many people get into debt due to the careless and improper use of credit cards.Therefore, some people believe that banks should ensure the customer's ability pay off their debt before issuing them credit cards. I partially agree with this assertion. I believe that the financial stability of individuals can change ...

  16. The debate on cash versus credit card has been going on for ...

    IELTS Writing Correction Service /. Writing Samples /. Band 7. The debate on cash versus credit card has been going on for some time. Credit is still a fairly new concept within the history of finance; so many people would rather stick with paper money. According to you, which is a better payment method, cash or credit?

  17. Cash Vs Credit Card advantages and disadvantages

    The best way to prevent people from smoking is to impose high taxes on tobacco products. In this way, people will be less likely to develop a long-term addiction to smoking. 4. band. Many employees may work at home with modern technology. Some people claim that it benefits only the workers, but not the employers.

  18. every one should have a credit card

    Check your IELTS writing task 1 and essay, this is a free correction and evaluation service. Check IELTS Writing it's free. ... Credit card will be used by almost people to payment. In my opinion, credit card very convenient. There are three reason to explain about benefit of credit card. Firstly, If you use to credit card, you will not bring a ...


    For instance, one can improve his/her credit score by paying his/her debts regularly. Although there are some advantages of using credit cards for a person, there are also many disadvantages. Firstly, credit cards encourage impulsive and unnecessary purchases. People can buy impulsive and unnecessary things because of knowing the fact that they ...

  20. IELTS essay Cash or credit card ? Which is good to use. Present your views

    In summary, one should use Credit card only if they can pay their dues on time. If you are getting greedy, please dont use this mode. Better to have cash and spend it wisely. I am going to present my view on this topic. While we have. , which one is better depends on one's preferences. reward coins. In this.

  21. Credit Card Essay Ielts

    Credit Card Essay Ielts - About Writer. 100% Success rate Information Technology. Max Area (sq ft) 599 Orders prepared. Credit Card Essay Ielts ... Credit Card Essay Ielts, Thesis Title For Master Degree, Essays For Buy, Anthropology Essay Proofreading Website, Essay On Space Travelling, Mentoring On Resume, The Proper Way To Write A Essay ...

  22. Credit Card Essay Ielts

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