Phân tích"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?"IELTS Writing task 2(Đề computerr-based 10/7/2022)

Bên cạnh Phân tích bài essay về "The number of visitors in the UK" IELTS WRITING TASK 1 (table), IELTS TUTOR hướng dẫn Phân tích"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?"IELTS Writing task 2(Đề computerr-based 10/7/2022)

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?

IELTS TUTOR lưu ý:

• Dạng outweigh thì đã rất quen thuộc với các bạn học sinh lớp IELTS ONLINE WRITING 1 KÈM 1 của IELTS TUTOR rồi nhé
• Dạng outweigh có 2 cách làm tuỳ theo target mình hướng đến:
  • Cách 1: Theo hướng Totally (disadvantages>advantages)
    • Body 1: Nêu lí do thứ 1 vì sao disadvantages>advantages
      • Main idea: Credit cards encourage people to spend money they do not have
      • Supporting idea: 
        • Debts can build up and leave people in real financial difficulties.  >> IELTS  TUTOR  hướng  dẫn  Cách dùng động từ "spend" tiếng anh
        • When people cannot pay their debts back, everyone suffers: those in debt may lose their homes, the banks lose money, and the whole economy suffers.
      • Example: According to a 2023 report by the Federal Reserve Bank of New York, the average American household credit card debt surpassed $9,000, illustrating the potential for debt to accumulate quickly; furthermore, a 2022 study by the National Endowment for Financial Education found that around 43% of credit card holders only make minimum payments, leading to substantial interest charges and exacerbating financial difficulties.

    • Body 2: Nêu lí do thứ 2 vì sao disadvantages>advantages
      • Main idea: Since they’re so easy to use, they also make it easy to overspend. 
      • Supporting idea:  If we buy something and fail to pay it off immediately, we will end up paying not only the purchase price but also the interest charge on that item.>> IELTS  TUTOR  hướng  dẫn  Cách dùng danh từ "spending" tiếng anh
      • Example: A 2023 study by the Federal Reserve Bank of New York investigated the spending habits of credit card users, finding that people tend to spend more when using credit cards compared to cash.

  • Cách 2: Theo hướng Partly (partly - CHỈ RIÊNG với dạng OUTWEIGH này thì nếu target 7.0 có thể viết còn các dạng khác không nên viết partly nhé) 
    • Intro câu 2, advantages = disadvantages (this trend could have positive and negative consequences in equal measures)
    • Body 1: On the one hand, viết về advantages 
      • Main idea 1: A credit card gives you access to money and the facility to pay it back later, like a loan. 
        • Supporting idea: This means that credit card offers people access to money and the facility to settle up later which is very useful in case of emergency.>> IELTS  TUTOR  hướng  dẫn  Paraphrase về "thu nhập"(income) & "chi tiêu"
        • Example: This could be useful for emergencies or something expensive, like a holiday.
      • Main idea 2: having a credit card is more secure than carrying money around with you. 
        • Supporting idea: If you lose your wallet or purse, or if you are mugged in the street, a quick phone call to the bank means that the card will be instantly refused if anyone tries to use it.
    • Body 2: On the other hand, viết về disadvantages 
      • Main idea 1: Credit cards encourage people to spend money they do not have
        • Supporting idea:
          • Debts can build up and leave people in real financial difficulties.
          • When people cannot pay their debts back, everyone suffers: those in debt may lose their homes, the banks lose money, and the whole economy suffers.>> IELTS  TUTOR  hướng  dẫn  Sửa bài IELTS SPEAKING PART 1-2-3 topic Work/Study(Sửa & Làm lại 4 lần - HS đạt 7.5)
        • Example: According to a 2023 report by the Federal Reserve Bank of New York, the average American household credit card debt surpassed $9,000, illustrating the potential for debt to accumulate quickly; furthermore, a 2022 study by the National Endowment for Financial Education found that around 43% of credit card holders only make minimum payments, leading to substantial interest charges and exacerbating financial difficulties.
      • Main idea 2: Since they’re so easy to use, they also make it easy to overspend.
        • Supporting idea:  If we buy something and fail to pay it off immediately, we will end up paying not only the purchase price but also the interest charge on that item.
        • Example: A 2023 study by the Federal Reserve Bank of New York investigated the spending habits of credit card users, finding that people tend to spend more when using credit cards compared to cash.

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