Due to urbanization and industrialization in recent times, many countries of the world are seriously suffering acute environmental threats from deforestation. There is an array of causes why people log trees indiscriminately. This essay will shed light on the reasons for deforestation and prescribe ...
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YMany people are using credit cards or loans to run up huge personal debts that they may be unable to repay. It should therefore be made more difficult for individuals to borrow large amounts of money. What are you opinions on this?
Many people are using credit cards or loans to run up huge personal debts that they may be unable to repay. It should therefore be made more difficult for individuals to borrow large amounts of money. What are you opinions on this? AaXK1
The problem of racking up massive personal debts which are unaffordable by credit cards or loans is currently increasing. While I believe that banking operations should be more complicated for customers, it might have a number of drawbacks.
On the one hand, it is the banks who play a crucial role in fully informing customers about lending a significant sum of money. Firstly, people have the right to be provided with certain policies to avoid misunderstanding and uncomfortable situations. To illustrate, if individuals defaulted on repayments or disobeyed the rules, which might subject them to a criminal sentence, the bank from which they lent would be partially responsible for it. Secondly, there should be different rules for various customers such as premium cards for members who frequently use their services. As a result, banks will gain respect as they trust and value customers.
On the other hand, there are a variety of credible arguments in favor of this strategy. To begin with, citizens who are unable to take control of their finances tend to have high-interest credit card debt due to a lack of solid plans. For instance, the statistics represent that nearly 65% of the people who lie in the age range of under 30 are unable to repay their debt. Furthermore, banks may be not collect money by having simple credit policies as they lent money to those ones who do not have the ability to repay.
In conclusion, although it is unfair to increase the difficulty of borrowing large amounts, I believe that strict rules should be made to reduce the number of unrepayable debtors.
The problem of racking up massive personal debts which are unaffordable by credit cards or loans is
currently
increasing. While I believe that banking operations should be more complicated for customers, it might have a number of drawbacks.
On the one hand, it is the banks
who
play a crucial role in fully
informing customers about lending a significant sum of money. Firstly
, people
have the right to be provided
with certain policies to avoid misunderstanding and uncomfortable situations. To illustrate, if individuals defaulted on repayments or disobeyed the rules
, which might subject them to a criminal sentence, the bank
from which they lent would be partially
responsible for it. Secondly
, there should be different
rules
for various customers such as premium cards for members who
frequently
use
their services. As a result
, banks
will gain respect as they trust and value customers.
On the other hand
, there are a variety of credible arguments in favor of this strategy. To begin
with, citizens who
are unable to take control of their finances tend to have high-interest credit card debt due to a lack of solid plans. For instance
, the statistics represent that nearly
65% of the people
who
lie in the age range of under 30 are unable to repay their debt. Furthermore
, banks
may be not collect money by having simple credit policies as they lent money to those ones
who
do not have the ability to repay.
In conclusion
, although it is unfair to increase the difficulty of borrowing large amounts, I believe that strict rules
should be made
to reduce
the number of unrepayable
debtors. Do not write below this line
Official use only
CC
7.0
LR
5.5
GR
6.5
TA
6.5
OVERALL BAND SCORE
6.5
IELTS essay Many people are using credit cards or loans to run up huge personal debts that they may be unable to repay. It should therefore be made more difficult for individuals to borrow large amounts of money. What are you opinions on this?
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banks
who
bank
different
who
banks
On the other hand
who
who
banks
those ones
who
unrepayable
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