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?
Although, people can easily apply for and afford a credit card thesedays, some of them may have bad experiences when they cannot pay their debts back. In my opinion, a credit card can still be considered as a good choice for payment because of its benefits.
There are two main drawbacks of using credit cards. First, people have to pay lots of different fees during using the using period. Moreover, they even have to pay some unexpected fees which have not been notified in advance. For example, one of my friends had to pay a great deal of the annual fee after the first interest and service-free year. Another noticeable disadvantage is a high chance of overspending. Undeniably, Iit is very difficult for some individuals to manage personal expenditures because they rarely check notifications of their bills or balance, which makes them buy things without careful consideration. This would gradually create a giant debt that they barely can pay back.
On the other hand, I believe that there are much more advantages that using a credit card may bring to its users. It is true that bringing along only a credit card can be much safer than carrying a huge bundle of banknotes. For instance, a credit card can be quickly canceled if the owner lost his wallet to ensure that his money is still kept safe. In addition, when people need to cover unforeseeable costs but they do not have enough cash, they can use the credit card instead and repay them then.
In conclusion, whereas there are still many disadvantages, I do believe that using credit cards can bring more benefits for people, especially in emergency situations.
| Post date | Users | Rates | Link to Content |
|---|---|---|---|
| 2022-06-18 | ngocvuong | 36 | view |
| 2022-06-12 | ngocvuong | 61 | view |
| 2021-09-08 | Ranjeet brar | 78 | view |
| 2021-09-08 | Ranjeet brar | 78 | view |
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Grammar and spelling errors:
Line 2, column 583, Rule ID: WHITESPACE_RULE
Message: Possible typo: you repeated a whitespace
Suggestion:
...their bills or balance, which makes them buy things without careful consideration...
^^
Transition Words or Phrases used:
but, first, if, may, moreover, so, still, then, whereas, for example, for instance, in addition, in conclusion, in my opinion, it is true, on the other hand
Attributes: Values AverageValues Percentages(Values/AverageValues)% => Comments
Performance on Part of Speech:
To be verbs : 11.0 13.1623246493 84% => OK
Auxiliary verbs: 12.0 7.85571142285 153% => OK
Conjunction : 5.0 10.4138276553 48% => More conjunction wanted.
Relative clauses : 10.0 7.30460921844 137% => OK
Pronoun: 27.0 24.0651302605 112% => OK
Preposition: 26.0 41.998997996 62% => OK
Nominalization: 6.0 8.3376753507 72% => OK
Performance on vocabulary words:
No of characters: 1354.0 1615.20841683 84% => OK
No of words: 279.0 315.596192385 88% => More content wanted.
Chars per words: 4.85304659498 5.12529762239 95% => OK
Fourth root words length: 4.08696624509 4.20363070211 97% => OK
Word Length SD: 2.6507551269 2.80592935109 94% => OK
Unique words: 166.0 176.041082164 94% => More unique words wanted.
Unique words percentage: 0.594982078853 0.561755894193 106% => OK
syllable_count: 423.0 506.74238477 83% => OK
avg_syllables_per_word: 1.5 1.60771543086 93% => OK
A sentence (or a clause, phrase) starts by:
Pronoun: 6.0 5.43587174349 110% => OK
Article: 2.0 2.52805611222 79% => OK
Subordination: 1.0 2.10420841683 48% => OK
Conjunction: 0.0 0.809619238477 0% => OK
Preposition: 4.0 4.76152304609 84% => OK
Performance on sentences:
How many sentences: 14.0 16.0721442886 87% => OK
Sentence length: 19.0 20.2975951904 94% => OK
Sentence length SD: 42.5237028741 49.4020404114 86% => OK
Chars per sentence: 96.7142857143 106.682146367 91% => OK
Words per sentence: 19.9285714286 20.7667163134 96% => OK
Discourse Markers: 11.1428571429 7.06120827912 158% => OK
Paragraphs: 4.0 4.38176352705 91% => OK
Language errors: 1.0 5.01903807615 20% => OK
Sentences with positive sentiment : 8.0 8.67935871743 92% => OK
Sentences with negative sentiment : 6.0 3.9879759519 150% => 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: 0.387662272741 0.244688304435 158% => OK
Sentence topic coherence: 0.130997569119 0.084324248473 155% => OK
Sentence topic coherence SD: 0.08837967913 0.0667982634062 132% => OK
Paragraph topic coherence: 0.248358270664 0.151304729494 164% => OK
Paragraph topic coherence SD: 0.105539805996 0.056905535591 185% => OK
Essay readability:
automated_readability_index: 11.4 13.0946893788 87% => Automated_readability_index is low.
flesch_reading_ease: 60.65 50.2224549098 121% => OK
smog_index: 8.8 7.44779559118 118% => OK
flesch_kincaid_grade: 9.5 11.3001002004 84% => OK
coleman_liau_index: 10.85 12.4159519038 87% => OK
dale_chall_readability_score: 7.8 8.58950901804 91% => OK
difficult_words: 57.0 78.4519038076 73% => More difficult words wanted.
linsear_write_formula: 8.0 9.78957915832 82% => OK
gunning_fog: 9.6 10.1190380762 95% => OK
text_standard: 8.0 10.7795591182 74% => OK
What are above readability scores?
---------------------
Rates: 61.797752809 out of 100
Scores by essay e-grader: 5.5 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.