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?
Recently, although applying for and being given a credit card has become convenient among people, some face debt repayment issues when they are unable to clear their debts. In my opinion, I believe using credit cards brings about serious drawbacks compared to any minor benefits it might bring.
Admittedly, there are some basic advantages of credit cards. Firstly, credit cards can help people to pay in emergency situations. Students, for example, when they study and are not also allowed to have full-time job, expose to financial problems, thus, credit cards could probably aid them. Secondly, credit cards could encourage people to spend more, and as a result, it would beneficial for businesses. As the more people demand, the more products would be made, while hardly could it be mentioned by managers or businessmen, it seems that such cards can be influential in annual turnover of companies. Therefore, credit cards can improve the country’s economy through provoking businesses to produce productively.
Nevertheless, despite the advantages above, I think one serious issue which credit cards would bring is massive debts that people will be faced later. If people cannot afford to repay their debts, it will potentially turn them into trouble, for instance, struggling with loan sharks. Another extreme negative aspect of this issue is jeopardizing the country’s economy. The 2008 crisis in the US shows that the huge amount of accumulation of debts, which had been accumulated precisely due to the unbelievable opportunity given by credit cards to the public, was the main reason for the catastrophic downturn.
In conclusion, problematic issues are incurred by credit cards far outweigh any of the minor benefits that could result from them.
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Grammar and spelling errors:
Line 3, column 214, Rule ID: HAVE_PART_AGREEMENT[2]
Message: Possible agreement error -- use past participle here: 'jobbed'.
Suggestion: jobbed
... are not also allowed to have full-time job, expose to financial problems, thus, cr...
^^^
Transition Words or Phrases used:
also, first, firstly, if, nevertheless, second, secondly, so, therefore, thus, while, for example, for instance, i think, in conclusion, as a result, in my opinion
Attributes: Values AverageValues Percentages(Values/AverageValues)% => Comments
Performance on Part of Speech:
To be verbs : 13.0 13.1623246493 99% => OK
Auxiliary verbs: 14.0 7.85571142285 178% => OK
Conjunction : 4.0 10.4138276553 38% => More conjunction wanted.
Relative clauses : 8.0 7.30460921844 110% => OK
Pronoun: 21.0 24.0651302605 87% => OK
Preposition: 32.0 41.998997996 76% => OK
Nominalization: 3.0 8.3376753507 36% => More nominalizations (nouns with a suffix like: tion ment ence ance) wanted.
Performance on vocabulary words:
No of characters: 1493.0 1615.20841683 92% => OK
No of words: 278.0 315.596192385 88% => More content wanted.
Chars per words: 5.37050359712 5.12529762239 105% => OK
Fourth root words length: 4.08329915638 4.20363070211 97% => OK
Word Length SD: 2.72247982218 2.80592935109 97% => OK
Unique words: 177.0 176.041082164 101% => OK
Unique words percentage: 0.636690647482 0.561755894193 113% => OK
syllable_count: 450.9 506.74238477 89% => OK
avg_syllables_per_word: 1.6 1.60771543086 100% => OK
A sentence (or a clause, phrase) starts by:
Pronoun: 5.0 5.43587174349 92% => OK
Article: 2.0 2.52805611222 79% => OK
Subordination: 5.0 2.10420841683 238% => Less adverbial clause wanted.
Conjunction: 1.0 0.809619238477 124% => OK
Preposition: 3.0 4.76152304609 63% => OK
Performance on sentences:
How many sentences: 13.0 16.0721442886 81% => Need more sentences. Double check the format of sentences, make sure there is a space between two sentences, or have enough periods. And also check the lengths of sentences, maybe they are too long.
Sentence length: 21.0 20.2975951904 103% => OK
Sentence length SD: 48.5970023669 49.4020404114 98% => OK
Chars per sentence: 114.846153846 106.682146367 108% => OK
Words per sentence: 21.3846153846 20.7667163134 103% => OK
Discourse Markers: 12.5384615385 7.06120827912 178% => OK
Paragraphs: 4.0 4.38176352705 91% => OK
Language errors: 1.0 5.01903807615 20% => OK
Sentences with positive sentiment : 10.0 8.67935871743 115% => OK
Sentences with negative sentiment : 3.0 3.9879759519 75% => OK
Sentences with neutral sentiment: 0.0 3.4128256513 0% => More facts, knowledge or examples wanted.
What are sentences with positive/Negative/neutral sentiment?
Coherence and Cohesion:
Essay topic to essay body coherence: 0.41240792224 0.244688304435 169% => OK
Sentence topic coherence: 0.149887785639 0.084324248473 178% => OK
Sentence topic coherence SD: 0.0791924852882 0.0667982634062 119% => OK
Paragraph topic coherence: 0.241397554761 0.151304729494 160% => OK
Paragraph topic coherence SD: 0.0762979412883 0.056905535591 134% => OK
Essay readability:
automated_readability_index: 14.6 13.0946893788 111% => OK
flesch_reading_ease: 50.16 50.2224549098 100% => OK
smog_index: 8.8 7.44779559118 118% => OK
flesch_kincaid_grade: 11.5 11.3001002004 102% => OK
coleman_liau_index: 13.87 12.4159519038 112% => OK
dale_chall_readability_score: 9.34 8.58950901804 109% => OK
difficult_words: 82.0 78.4519038076 105% => OK
linsear_write_formula: 8.0 9.78957915832 82% => OK
gunning_fog: 10.4 10.1190380762 103% => OK
text_standard: 10.0 10.7795591182 93% => OK
What are above readability scores?
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Rates: 73.0337078652 out of 100
Scores by essay e-grader: 6.5 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.