IELTS Speaking tip
Ask for feedback from teachers or knowledgeable peers after practice.
Vocabulary
- credit card
- usage
- economy
- consumer
- transaction
- convenience
- payment method
- financial management
- debt
- spending
- security
- interest rates
- merchant
- budgeting
- lifestyle
Sample Answer
In my country, the use of credit cards has proliferated significantly over the past decade, reflecting a broader global trend towards cashless transactions. Many consumers appreciate the convenience and safety they offer; for instance, credit cards enable online shopping and international purchases with just a click. However, this rise in usage also brings concerns regarding consumer debt and financial literacy. A prevalent issue is that some individuals may not fully comprehend the implications of accumulating debt through interest rates, which can lead to a precarious financial situation. Additionally, while urban areas exhibit a higher prevalence of credit card transactions, rural regions still heavily rely on cash. Thus, while credit cards are indeed popular, their impact is multifaceted, revealing both the advantages of modern financial practices and the urgent need for increased financial education.
User Answers
- January 11, 2024 at 10:25 PM
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- October 30, 2023 at 10:48 AM
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