In many countries it is easy to apply and to get a credit card. However, credit card debt causes many problems and is hard to pay back. Do you think the advantages of credit cards overweight the disadvantages?
With many banks providing the facility of credit cards, it has become quite simple to get a credit card. Besides the easy availability of credit cards, it causes difficulties like paying back the loan. With this in mind, people seek to determine that if the advantages of owning a credit card outweigh the negatives. Although there may be some points to support the negatives, there are more positives related to the easy availability of money and safer way to pay.
From a certain point of view, there are certain negatives, but these negatives attributes listed below do not outweigh the positives. As a starting point, credit cards encourage people to spend more money, which results in people having a huge debt that they have to pay with interest. With an enormous debt on their heads, most of the people end up losing their houses just to repay. As a result, the bank loses money and the whole economy suffers. This negative makes it seem to believe that more negatives than positives, but once we take a look at positive consequences, we will see that belief is unfound.
The positives associated with owning a credit card carry more weight than seemingly negative attributes. A credit card provides the facility of money even if you do not have the money, and return that money back later, like a loan. This could be useful in emergency situations such as a holiday. More evidence suggests that a credit card provides a safer way to pay. To further explain, Easy access to money, means people spending more, and this aids the economy becoming more stable.
In conclusion, the benefits of having credit cards outweigh the drawbacks just because of the easy availability of money anytime and the safer side of paying the money back. Therefore, a credit card helps the people in an emergency with no other alternative available.
Transition Words or Phrases used:
besides, but, if, look, may, so, therefore, in conclusion, such as, as a result
Attributes: Values AverageValues Percentages(Values/AverageValues)% => Comments
Performance on Part of Speech:
To be verbs : 5.0 13.1623246493 38% => More to be verbs wanted.
Auxiliary verbs: 3.0 7.85571142285 38% => OK
Conjunction : 7.0 10.4138276553 67% => OK
Relative clauses : 7.0 7.30460921844 96% => OK
Pronoun: 20.0 24.0651302605 83% => OK
Preposition: 42.0 41.998997996 100% => OK
Nominalization: 1.0 8.3376753507 12% => More nominalizations (nouns with a suffix like: tion ment ence ance) wanted.
Performance on vocabulary words:
No of characters: 1532.0 1615.20841683 95% => OK
No of words: 314.0 315.596192385 99% => OK
Chars per words: 4.87898089172 5.12529762239 95% => OK
Fourth root words length: 4.20951839842 4.20363070211 100% => OK
Word Length SD: 2.5326241647 2.80592935109 90% => OK
Unique words: 162.0 176.041082164 92% => More unique words wanted.
Unique words percentage: 0.515923566879 0.561755894193 92% => More unique words wanted or less content wanted.
syllable_count: 496.8 506.74238477 98% => OK
avg_syllables_per_word: 1.6 1.60771543086 100% => OK
A sentence (or a clause, phrase) starts by:
Pronoun: 5.0 5.43587174349 92% => OK
Article: 5.0 2.52805611222 198% => OK
Subordination: 3.0 2.10420841683 143% => OK
Conjunction: 4.0 0.809619238477 494% => Less conjunction wanted as sentence beginning.
Preposition: 8.0 4.76152304609 168% => OK
Performance on sentences:
How many sentences: 16.0 16.0721442886 100% => OK
Sentence length: 19.0 20.2975951904 94% => OK
Sentence length SD: 32.4499012903 49.4020404114 66% => OK
Chars per sentence: 95.75 106.682146367 90% => OK
Words per sentence: 19.625 20.7667163134 95% => OK
Discourse Markers: 4.9375 7.06120827912 70% => OK
Paragraphs: 4.0 4.38176352705 91% => OK
Language errors: 0.0 5.01903807615 0% => OK
Sentences with positive sentiment : 13.0 8.67935871743 150% => OK
Sentences with negative sentiment : 3.0 3.9879759519 75% => OK
Sentences with neutral sentiment: 0.0 3.4128256513 0% => More facts, knowledge or examples wanted.
What are sentences with positive/Negative/neutral sentiment?
Coherence and Cohesion:
Essay topic to essay body coherence: 0.324883549541 0.244688304435 133% => OK
Sentence topic coherence: 0.12353565383 0.084324248473 147% => OK
Sentence topic coherence SD: 0.104211068761 0.0667982634062 156% => OK
Paragraph topic coherence: 0.235205836407 0.151304729494 155% => OK
Paragraph topic coherence SD: 0.0959924138502 0.056905535591 169% => OK
Essay readability:
automated_readability_index: 11.4 13.0946893788 87% => Automated_readability_index is low.
flesch_reading_ease: 52.19 50.2224549098 104% => OK
smog_index: 8.8 7.44779559118 118% => OK
flesch_kincaid_grade: 10.7 11.3001002004 95% => OK
coleman_liau_index: 11.02 12.4159519038 89% => OK
dale_chall_readability_score: 7.8 8.58950901804 91% => OK
difficult_words: 64.0 78.4519038076 82% => More difficult words wanted.
linsear_write_formula: 12.5 9.78957915832 128% => OK
gunning_fog: 9.6 10.1190380762 95% => OK
text_standard: 11.0 10.7795591182 102% => OK
What are above readability scores?
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Rates: 61.797752809 out of 100
Scores by essay e-grader: 5.5 Out of 9
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Note: the e-grader does NOT examine the meaning of words and ideas. VIP users will receive further evaluations by advanced module of e-grader and human graders.