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 6.0

Coherence and Cohesion

Band 6.0

Lexical Resource

Band 5.5

Grammatical Range and Accuracy

Band 5.5

In today’s modern world, it is certainly true that most people own at least a credit card. Some may even have four to five credit cards which eventually cause them to run up huge personal debt.