Issues With Credit Cards # Essay For IELTS

In many countries it is very easy to apply for and be issued a credit card. However, this causes some people some problems with debts they cannot pay back. Do the advantages of a credit card outweigh the disadvantages?

Write at least 250 words.

Answer

The world today has become a majorly cashless society and the use of plastic money has crept in. plastic money as one refers to it means the use of credit cards and debit cards instead of real paper money. Credit cards have made people’s lives easier since it has reduced the use of paper money to quite an extent which in turn has made the mode of payment simpler with just a swipe.

Many countries including India as well, most of the people have credit cards as they are very easy to obtain from the banks which issue them. People from all walks of life, be it a student, a businessman or even a homemaker have a number of credit cards with which they make everyday payments for something or the other. The best part about owning one is that a person does not have to carry cash all the time and is also less time consuming as no money needs to be withdrawn from the account for any payments. These days all kinds of payments can be done with a credit card via the internet whether it is shopping online or payment of bills. Even if people do not have sufficient money in their savings account, a credit card can be used for payment up to a certain limit.

Though a credit card may seem the need of the hour by many people in this seemingly cashless society, yet it may have certain repercussions like over spending. People, who are impulsive shoppers may spend money uselessly on items that are not required by them just because they have the capacity to pay via a credit card though they do not actually have the money. This created debs for such people which leads to the accrual of debts. The return of the money overdrawn on a credit card attracts an interest, late or non-payment of this will lead to this interest being added to the actual amount. Hence, people will fall in debt unable to come out of it which might also lead to legal consequences as well.

In can be concluded that a credit card does make life easier for people in terms of payment for purchases made in today’s era but one should be careful not to be too free in its use and have a frugal attitude towards its usage.

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Computer Repair # Letter For IELTS

You recently had your computer fixed at the local computer store. However, you are not pleased with the services you received.

Write a letter to the store manager. In the letter

  • describe the situation
  • explain why you are dissatisfied
  • say what you want the manager to do.

Write atleast 150 words.

 

Dear sir/madam,

I am writing to express my dissatisfaction with the services provided by your company.

My computer, few days back had display issues and I got them fixed with your establishment. It has been three days since I brought the computer home and it back to the position I gave it to you. In addition, it has rather gone worse. Earlier the CPU was working and it had only display issues. However now the entire system has stopped working and has become a box.

When I brought the system for repair to your company again, they asked me to pay extra charges for it. The company, however, assured me a 1 year warranty when I first gave it for repair.

I suppose there is a lack of co-ordination between your employees and management. Either ways, I would be thankful if you looked into the matter and either provided me the services or pay me back the money.

Yours faithfully,

Alice Degenres.

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Guide To The Letter

Letter writing is often regarded as one of the toughest thing to score marks in. You never realise what are the points you have missed and what are the ones you over wrote. Given below is a guide to the letter writing that will surely help you in understanding how to write effective letters.

You are organizing a trip to the Taj Mahal for a group of students from Perth in western Australia. Write to the manager of a nearby student hostel services and explain when you are you planning to visit the Taj Mahal, how long will your visit will be, how many students are there in your group and what will be your accommodation requirement.

HOW SHOULD YOU ANSWER THIS QUESTION ?

The letter writing questions asked in IELTS are usually of this form. You will be given a situation and some other related details that must be covered by you in the answer. Remember, you love purposeful answer all the details asked in the question. Leaving any one would result in loss of marks.

WHO ARE YOU WRITING TO ?

Now as is stated, you are writing this letter to the manager of the student services. So, how will you begin this letter. You must write-

Dear manager or you may also write Dear manager of student hostel services.

WHAT ARE YOU WRITING ABOUT ?

Look carefully at the question, you are given a set of clues advices the first line. All you need to do is enlarge upon these clues.

1. When do you want to visit the Taj Mahal ?

Answer this question in your letter. Give a time or times you will be visiting the place.

2.  How long will you stay?

Make sure you give a specific time you will be visiting for. It could be either a week or a month for for few days.

3. How many people are in your group ?

You lose writing to the manager asking for accommodation. It becomes very important for you to mention the number of people who will be staying or coming along with you. It could either be five or ten or fifty. Make sure you give the specific number.

4. What are your requirements ?

Imagine you are at Taj Mahal right now and imagine all what you require. It could be a guide, a list we other places you can visit near Taj Mahal, a cab, or any thing. In a letter this is the question you need to use your imagination.

HOW TO END THE LETTER ?

Just like any other conclusion write in a sentence what exactly you want from the manager side and finish the letter with yours sincerely or faithfully.

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Writing A Letter

Writing a letter is the first task of IELTS general writing section. For writing an effective letter you must make sure that you have covered the following points.

WHO ARE YOU WRITING LETTER TO?

Remember one thing you will be always provided the information you require for writing task. All you need to do is looking through the text and find for whom is the letter directed. Usually it Is either a particular person or group of people. Even more , you will be given their names, their won’t be anyone you need to give names to.

The introduction of the letter is the greeting, Dear ___________  and the first sentence gives the reason you are writing the letter.

WHAT ARE YOU WRITING ABOUT ?

Now you need to search for clues in the question. Remember there is nothing that you need to add from you side. The question will surely have sub questions that will tell you what information must be given by your side.  This forms the body of the letter and it should be one Mervyn paragraphs.

THE END OF THE LETTER

The conclusion of the letter consist of a final sentence summarizing what you want the letter to achieve and perhaps thanking the person you are writing to. The letter is then finally finished off with yours sincerely or faithfully if it is a business letter, followed by your name.

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