Along with the search of more comprehensive techniques to deal with the problems that might occur in the world, credit card is invented as a quick and easy way to pay the bills. With the simple steps for one to be granted, an increasing number of people are now using it. While it has some obvious advantages, the potential problems it yield should not be neglected as well. Overall, in my opinion, the benefits of such method still outweigh its drawbacks.
First of all, one of the primary functions of credit card is to provide a convenient alterative to make payments whenever is needed. This way, people are able to withdraw a great amount of money without carrying much cash around. Take purchasing cars as an example, people do not want using a suitcase carrying hundreds of thousands of dollars to make the purchase. Latest technologies even link the cards to one's phone, making it possible to pay just by one click. This way, online shopping is made possible by the use of credit cards, yielding even more convenience for users.
Second, credit card is safe comparing to using cash. It provides protection against street crimes such as theft and robbery by password protection and tracking measures. Although criminals are coming up with increasing credit card crimes, it is still not as easy as cash ones. Comprehensive planning and a team is usually needed for the process from obtaining password through to getting the card, which prevent it from becoming popular.
However, using credit cards encourages risk-taking in some way since it allows overdrafts to be made. Also the zero-interest for saving policy discourage people from saving first then spending, which is detriment to personal financial management. Thus some people who lost control and spend an amount that well exceed their repay abilities might affect the whole economic system.
To conclude, there are many advantages of credit card including its value of convenience and safety. Despite the potential problems it causes for individuals and society, the prevalence of this in recent years has proved its usefulness to people. With more measures to solve the problems, the payment method is becoming increasingly comprehensive.
- Topic The graphs indicate the source of complaints about the Bank of America and the amount of time it takes to have the complaints resolved Summarise the information by selecting and report in the main features and make comparisons where relevant Write a 73
- the chart below shows the percentage of adults of different age groups in the UK who used internet everyday from 2003-2006. 78
- Some people think that in the modern world we have become more dependent on each other, while others think that people are now more independent. Discuss both views and give your own opinion. 78
- Nowadays, people always throw the old things away when they buy new things, and we are living in a throw-away society. What fators cause this phenomenon? What problem does the phenomenon lead to? 84
- Some people think that the range of technology currently available is increasing the gap between rich people and poor people. Others think that it is causing the opposite effect.Discuss both views and give your opinion. 73
Grammar and spelling errors:
Line 1, column 337, Rule ID: IT_VBZ[1]
Message: Did you mean 'yields'?
Suggestion: yields
...s advantages, the potential problems it yield should not be neglected as well. Overal...
^^^^^
Line 3, column 367, Rule ID: THE_SUPERLATIVE[2]
Message: A determiner is probably missing here: ' the Latest'.
Suggestion: The Latest
...usands of dollars to make the purchase. Latest technologies even link the cards to one...
^^^^^^
Line 3, column 410, Rule ID: ONES[1]
Message: Did you mean 'one's'?
Suggestion: one's
...est technologies even link the cards to ones phone, making it possible to pay just b...
^^^^
Line 7, column 103, Rule ID: SENT_START_CONJUNCTIVE_LINKING_ADVERB_COMMA[1]
Message: Did you forget a comma after a conjunctive/linking adverb?
Suggestion: Also,
... since it allows overdrafts to be made. Also the zero-interest for saving policy dis...
^^^^
Line 7, column 248, Rule ID: SENT_START_CONJUNCTIVE_LINKING_ADVERB_COMMA[1]
Message: Did you forget a comma after a conjunctive/linking adverb?
Suggestion: Thus,
...iment to personal financial management. Thus some people who lost control and spend ...
^^^^
Transition Words or Phrases used:
also, first, however, second, so, still, then, thus, well, while, such as, first of all, in my opinion
Attributes: Values AverageValues Percentages(Values/AverageValues)% => Comments
Performance on Part of Speech:
To be verbs : 16.0 13.1623246493 122% => OK
Auxiliary verbs: 3.0 7.85571142285 38% => OK
Conjunction : 7.0 10.4138276553 67% => OK
Relative clauses : 5.0 7.30460921844 68% => More relative clauses wanted.
Pronoun: 19.0 24.0651302605 79% => OK
Preposition: 51.0 41.998997996 121% => OK
Nominalization: 8.0 8.3376753507 96% => OK
Performance on vocabulary words:
No of characters: 1856.0 1615.20841683 115% => OK
No of words: 362.0 315.596192385 115% => OK
Chars per words: 5.1270718232 5.12529762239 100% => OK
Fourth root words length: 4.36191444098 4.20363070211 104% => OK
Word Length SD: 2.70027306382 2.80592935109 96% => OK
Unique words: 207.0 176.041082164 118% => OK
Unique words percentage: 0.57182320442 0.561755894193 102% => OK
syllable_count: 564.3 506.74238477 111% => OK
avg_syllables_per_word: 1.6 1.60771543086 100% => OK
A sentence (or a clause, phrase) starts by:
Pronoun: 4.0 5.43587174349 74% => OK
Article: 5.0 2.52805611222 198% => OK
Subordination: 2.0 2.10420841683 95% => OK
Conjunction: 0.0 0.809619238477 0% => OK
Preposition: 6.0 4.76152304609 126% => OK
Performance on sentences:
How many sentences: 19.0 16.0721442886 118% => OK
Sentence length: 19.0 20.2975951904 94% => OK
Sentence length SD: 28.7638199953 49.4020404114 58% => The essay contains lots of sentences with the similar length. More sentence varieties wanted.
Chars per sentence: 97.6842105263 106.682146367 92% => OK
Words per sentence: 19.0526315789 20.7667163134 92% => OK
Discourse Markers: 5.36842105263 7.06120827912 76% => OK
Paragraphs: 5.0 4.38176352705 114% => OK
Language errors: 5.0 5.01903807615 100% => OK
Sentences with positive sentiment : 13.0 8.67935871743 150% => OK
Sentences with negative sentiment : 5.0 3.9879759519 125% => OK
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: 0.300022152118 0.244688304435 123% => OK
Sentence topic coherence: 0.0860660834392 0.084324248473 102% => OK
Sentence topic coherence SD: 0.0560182295437 0.0667982634062 84% => OK
Paragraph topic coherence: 0.15922937281 0.151304729494 105% => OK
Paragraph topic coherence SD: 0.0394005495088 0.056905535591 69% => OK
Essay readability:
automated_readability_index: 12.3 13.0946893788 94% => Automated_readability_index is low.
flesch_reading_ease: 52.19 50.2224549098 104% => OK
smog_index: 3.1 7.44779559118 42% => Smog_index is low.
flesch_kincaid_grade: 10.7 11.3001002004 95% => OK
coleman_liau_index: 12.47 12.4159519038 100% => OK
dale_chall_readability_score: 9.12 8.58950901804 106% => OK
difficult_words: 104.0 78.4519038076 133% => OK
linsear_write_formula: 10.5 9.78957915832 107% => OK
gunning_fog: 9.6 10.1190380762 95% => OK
text_standard: 11.0 10.7795591182 102% => OK
What are above readability scores?
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Rates: 78.6516853933 out of 100
Scores by essay e-grader: 7.0 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.