Many people think that credit cards are helpful in times of need. While other say that they are an unnecessary luxury.

Essay topics:
Many people think that credit cards are helpful in times of need. While other say that they are an unnecessary luxury.

So many people think that credit cards are helpful in times of need because in this challenging world we have to survive. On other hand people think that it's just unnecessary luxury for spend thrift. But, it's totally depend on the situation when and where credit cards are necessary , it's also depend on peoples's mindset.

Nowadays credit cards is most important thing in people's lives. They think that if any emergency comes, and they have not enough money to overcome that problem, then they can use credit cards. They don't have to ask anyone for help. They think that it's easier to shop or buy through credit cards after demonetization in India. The government of India also give benefits to people who use online payment option like credit and debit cards. So, according to them , credit cards are helpful in time of need.

On other hand some people think that credit cards are unnecessary because of them they can't control on shopping and expenses. They believe it's for only rich people who live luxury life. They follow the rules, spend only from earning.

Finally, in my view, both aspect of people are important but it's totally depend on job profile and person's mindset. They should control their expense by themselves because credit cards are useful in time of need. For over come that problem, They can set the limit of credit cards and payback that money after 1 or 2 months of period. So, my point of view, credit cards are helpful.

In conclusion, people who believe, credit cards are unnecessary luxury, they have to change their mind set because credit cards are most important thing in this modern era.

Votes
Average: 5.6 (1 vote)

Grammar and spelling errors:
Line 1, column 206, Rule ID: IT_IS[6]
Message: Did you mean 'it's' (='it is') instead of 'its' (possessive pronoun)?
Suggestion: it's; it is
...necessary luxury for spend thrift. But, its totally depend on the situation when an...
^^^
Line 1, column 283, Rule ID: COMMA_PARENTHESIS_WHITESPACE
Message: Put a space after the comma, but not before the comma
Suggestion: ,
...hen and where credit cards are necessary , its also depend on peopless mindset. ...
^^
Line 1, column 286, Rule ID: IT_IS[6]
Message: Did you mean 'it's' (='it is') instead of 'its' (possessive pronoun)?
Suggestion: it's; it is
... and where credit cards are necessary , its also depend on peopless mindset. Now...
^^^
Line 3, column 199, Rule ID: EN_CONTRACTION_SPELLING
Message: Possible spelling mistake found
Suggestion: don't
...m, then they can use credit cards. They dont have to ask anyone for help. They think...
^^^^
Line 3, column 233, Rule ID: ENGLISH_WORD_REPEAT_BEGINNING_RULE
Message: Three successive sentences begin with the same word. Reword the sentence or use a thesaurus to find a synonym.
... They dont have to ask anyone for help. They think that its easier to shop or buy th...
^^^^
Line 3, column 460, Rule ID: COMMA_PARENTHESIS_WHITESPACE
Message: Put a space after the comma, but not before the comma
Suggestion: ,
...t and debit cards. So, according to them , credit cards are helpful in time of nee...
^^
Line 5, column 88, Rule ID: CANT[1]
Message: Did you mean 'can't' or 'cannot'?
Suggestion: can't; cannot
...ds are unnecessary because of them they cant control on shopping and expenses. They ...
^^^^

Transition Words or Phrases used:
also, but, finally, if, so, then, in conclusion, in my view

Attributes: Values AverageValues Percentages(Values/AverageValues)% => Comments

Performance on Part of Speech:
To be verbs : 10.0 13.1623246493 76% => OK
Auxiliary verbs: 6.0 7.85571142285 76% => OK
Conjunction : 9.0 10.4138276553 86% => OK
Relative clauses : 13.0 7.30460921844 178% => OK
Pronoun: 35.0 24.0651302605 145% => Less pronouns wanted
Preposition: 38.0 41.998997996 90% => OK
Nominalization: 4.0 8.3376753507 48% => More nominalizations (nouns with a suffix like: tion ment ence ance) wanted.

Performance on vocabulary words:
No of characters: 1349.0 1615.20841683 84% => OK
No of words: 280.0 315.596192385 89% => More content wanted.
Chars per words: 4.81785714286 5.12529762239 94% => OK
Fourth root words length: 4.09062348924 4.20363070211 97% => OK
Word Length SD: 2.1765800304 2.80592935109 78% => OK
Unique words: 139.0 176.041082164 79% => More unique words wanted.
Unique words percentage: 0.496428571429 0.561755894193 88% => More unique words wanted or less content wanted.
syllable_count: 411.3 506.74238477 81% => OK
avg_syllables_per_word: 1.5 1.60771543086 93% => OK

A sentence (or a clause, phrase) starts by:
Pronoun: 11.0 5.43587174349 202% => Less pronouns wanted as sentence beginning.
Article: 1.0 2.52805611222 40% => OK
Subordination: 0.0 2.10420841683 0% => More adverbial clause wanted.
Conjunction: 1.0 0.809619238477 124% => OK
Preposition: 5.0 4.76152304609 105% => OK

Performance on sentences:
How many sentences: 17.0 16.0721442886 106% => OK
Sentence length: 16.0 20.2975951904 79% => The Avg. Sentence Length is relatively short.
Sentence length SD: 35.9247579713 49.4020404114 73% => OK
Chars per sentence: 79.3529411765 106.682146367 74% => OK
Words per sentence: 16.4705882353 20.7667163134 79% => OK
Discourse Markers: 3.47058823529 7.06120827912 49% => More transition words/phrases wanted.
Paragraphs: 5.0 4.38176352705 114% => OK
Language errors: 7.0 5.01903807615 139% => OK
Sentences with positive sentiment : 14.0 8.67935871743 161% => OK
Sentences with negative sentiment : 2.0 3.9879759519 50% => More negative sentences wanted.
Sentences with neutral sentiment: 1.0 3.4128256513 29% => More facts, knowledge or examples wanted.
What are sentences with positive/Negative/neutral sentiment?

Coherence and Cohesion:
Essay topic to essay body coherence: 0.452320640184 0.244688304435 185% => OK
Sentence topic coherence: 0.163563771942 0.084324248473 194% => OK
Sentence topic coherence SD: 0.0940462391024 0.0667982634062 141% => OK
Paragraph topic coherence: 0.27785341129 0.151304729494 184% => OK
Paragraph topic coherence SD: 0.0449244670674 0.056905535591 79% => OK

Essay readability:
automated_readability_index: 9.5 13.0946893788 73% => Automated_readability_index is low.
flesch_reading_ease: 63.7 50.2224549098 127% => OK
smog_index: 3.1 7.44779559118 42% => Smog_index is low.
flesch_kincaid_grade: 8.4 11.3001002004 74% => OK
coleman_liau_index: 10.38 12.4159519038 84% => OK
dale_chall_readability_score: 7.02 8.58950901804 82% => OK
difficult_words: 46.0 78.4519038076 59% => More difficult words wanted.
linsear_write_formula: 6.5 9.78957915832 66% => OK
gunning_fog: 8.4 10.1190380762 83% => OK
text_standard: 8.0 10.7795591182 74% => OK
What are above readability scores?

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Rates: 56.1797752809 out of 100
Scores by essay e-grader: 5.0 Out of 9
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Note: the e-grader does NOT examine the meaning of words and ideas. VIP users will receive further evaluations by advanced module of e-grader and human graders.