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?

Task Response

Band 5.0

Coherence and Cohesion

Band 6.0

Lexical Resource

Band 5.5

Grammatical Range and Accuracy

Band 6.0

These days a lot of individuals are tending to use various kinds of banking services: ordering credit cards, opening bank accounts and loans of different personal purposes. Some people argue that banking operations should be more complicated for customers.