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 your opinions on this?
Sample Response
These days a lot of individuals tend to useare tending to use various kinds of banking services: applying for credit cardsordering credit cards, opening bank accounts and taking out loans for various personal purposesopening bank accounts and loans of different personal purposes. Some people argue that banking operations should be more restrictivecomplicated for customers. It should be unreasonable to suggest it is partly fair to impose some obligations and restrictions on those who are in need of such services.
To begin with, banks ought to inform people if they wish to lend a large quantity of money, they will be obligated to compensate a higher interest. All kinds of banking establishments have to make certain policies to avoid misunderstandings with customers and reduce disputeslessen uncomfortable situations related to using credit cards and loans. Therefore, representatives of the above-mentioned institutionsrepresentatives of above-mentioned institutions play a crucial role in explaining their rules to individualsexplaining individuals about their rules. Bank employeesWorkers have to warn customers about the consequencesforewarn of the consequences of breaking these rulesdisobeying the points of their rules, for instance, opening a criminal case.
Banking establishments need to take into account customers' personal circumstancespersonal factors of the members of society. There should beexist different rules for various customers. The members which use the services of the bank for longer periods of time or who have obtained a premium cardthe premium type of card should not be given strict deadlines for repaying their debtslimited in time for repaying debts. They have shown themselves as trustworthy customers and deserve to be treated accordingly. It will benefit the bankstand in good stead for the establishment as well. It will unquestionably add prestige because the bank trusts and values its clients.
One could draw the conclusion that banking establishments have to take into consideration individuals' personal circumstancespersonal factors of the individuals when creating their policies. Credit cards and loans have to be offered by banks with restrictions for certain customersprovided by the bank with limitations for certain members.
Why this response received Band 5.5
The response is organized around relevant banking policies and makes a useful attempt to distinguish between different borrowers. However, its position on whether large loans should be harder to obtain is difficult to identify, and much of the discussion concerns disclosure, repayment time, or customer status rather than controls on borrowing large amounts. The priority is to state a clear opinion and justify specific lending restrictions by linking them directly to preventing unmanageable debt.
IELTS Writing Criteria Scores
Task Response
The response discusses lending rules and borrower differences, but its opinion on making large loans harder to obtain remains unclear and only partially developed.
Give an unambiguous position and explain two specific eligibility or affordability checks that would reduce excessive borrowing.
Coherence and Cohesion
The essay follows a clear paragraph structure and generally progresses from bank responsibilities to customer differences, though some logical links are weak.
Make every paragraph's opening claim directly support the central position and connect each example explicitly to that claim.
Lexical Resource
There is a reasonable range of banking vocabulary, but frequent inaccurate collocations and imprecise word choices limit clarity.
Use precise financial expressions such as charge interest, assess affordability, and impose borrowing limits instead of awkward paraphrases.
Grammatical Range and Accuracy
The response attempts varied sentence structures and is usually understandable, but errors in clause construction, reference, and prepositions recur.
Revise complex sentences to ensure each clause has a clear subject and verb, and check prepositions after common reporting verbs.
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IELTS Writing Task 2
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 your opinions on this?
Your response
Write the task yourself, then compare your choices with the annotated response.