Nowadays it is easy to apply for and be given a credit card. However, some people experience problems when they are not be able to pay their debts back. In your opinion, do the advantages of credit cards outweigh the disadvantages?
These days, whether cashless society by using more credit cards has sparked a heated debate. Although such issue is contested by many, it is regarded thoroughly by substantial number of individuals. As such there are both merits and demerits to this trend, I am of the opinion that the former outdo the latter.
There are many arguments in favour of my stance, but the most conspicuous one is that credit cards offer a safe and convenient way of storing and carrying money. One standout example is originated from the fact that dwellers could eliminate the risk of being robbed when conveying a great deal of money in bulky wallets, because even if people lose the card, they are promptly call their bank to cancel it on the spot. In addition, it is indisputable that a credit card gives people access to money and they can pay it back later. Needless to say, all these upsides are beneficial for cashless society in using credit cards.
However, there are some pitfalls that can overwhelm the potential benefits of credit cards. The primary one stems from the fact that credit cards encourage people to spend more money than they have and easily fall in the credit card traps in which debts can build up and leave people with huge financial burden. Last but not least, this can be exemplified that cybercrime rate and identity hackers are expected to increase when a protecting system is vulnerable, which leads to a possible data breach and bank account drain. Hence, it is apparently to explain why many are against using credit cards.
In view of arguments outlined above, one can conclude that despite the drawbacks, the benefits of using credit cards are too great to ignore.
Grammar and spelling errors:
Line 5, column 378, Rule ID: BEEN_PART_AGREEMENT[2]
Message: Consider using a past participle here: 'called'.
Suggestion: called
...people lose the card, they are promptly call their bank to cancel it on the spot. In...
^^^^
Transition Words or Phrases used:
apparently, but, hence, however, if, so, well, in addition
Attributes: Values AverageValues Percentages(Values/AverageValues)% => Comments
Performance on Part of Speech:
To be verbs : 17.0 13.1623246493 129% => OK
Auxiliary verbs: 6.0 7.85571142285 76% => OK
Conjunction : 10.0 10.4138276553 96% => OK
Relative clauses : 12.0 7.30460921844 164% => OK
Pronoun: 23.0 24.0651302605 96% => OK
Preposition: 36.0 41.998997996 86% => 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: 1407.0 1615.20841683 87% => OK
No of words: 290.0 315.596192385 92% => More content wanted.
Chars per words: 4.85172413793 5.12529762239 95% => OK
Fourth root words length: 4.12666770723 4.20363070211 98% => OK
Word Length SD: 2.40127047229 2.80592935109 86% => OK
Unique words: 168.0 176.041082164 95% => OK
Unique words percentage: 0.579310344828 0.561755894193 103% => OK
syllable_count: 434.7 506.74238477 86% => OK
avg_syllables_per_word: 1.5 1.60771543086 93% => OK
A sentence (or a clause, phrase) starts by:
Pronoun: 7.0 5.43587174349 129% => OK
Article: 2.0 2.52805611222 79% => OK
Subordination: 3.0 2.10420841683 143% => OK
Conjunction: 1.0 0.809619238477 124% => OK
Preposition: 2.0 4.76152304609 42% => More preposition wanted as sentence beginning.
Performance on sentences:
How many sentences: 12.0 16.0721442886 75% => Need more sentences. Double check the format of sentences, make sure there is a space between two sentences, or have enough periods. And also check the lengths of sentences, maybe they are too long.
Sentence length: 24.0 20.2975951904 118% => OK
Sentence length SD: 57.2675858483 49.4020404114 116% => OK
Chars per sentence: 117.25 106.682146367 110% => OK
Words per sentence: 24.1666666667 20.7667163134 116% => OK
Discourse Markers: 4.83333333333 7.06120827912 68% => OK
Paragraphs: 4.0 4.38176352705 91% => OK
Language errors: 1.0 5.01903807615 20% => OK
Sentences with positive sentiment : 11.0 8.67935871743 127% => OK
Sentences with negative sentiment : 1.0 3.9879759519 25% => More negative sentences wanted.
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: 0.300775597148 0.244688304435 123% => OK
Sentence topic coherence: 0.102493499024 0.084324248473 122% => OK
Sentence topic coherence SD: 0.0656263497523 0.0667982634062 98% => OK
Paragraph topic coherence: 0.163728861487 0.151304729494 108% => OK
Paragraph topic coherence SD: 0.0781160771777 0.056905535591 137% => OK
Essay readability:
automated_readability_index: 13.5 13.0946893788 103% => OK
flesch_reading_ease: 55.58 50.2224549098 111% => OK
smog_index: 3.1 7.44779559118 42% => Smog_index is low.
flesch_kincaid_grade: 11.5 11.3001002004 102% => OK
coleman_liau_index: 11.15 12.4159519038 90% => OK
dale_chall_readability_score: 8.86 8.58950901804 103% => OK
difficult_words: 74.0 78.4519038076 94% => OK
linsear_write_formula: 10.5 9.78957915832 107% => OK
gunning_fog: 11.6 10.1190380762 115% => OK
text_standard: 12.0 10.7795591182 111% => OK
What are above readability scores?
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Rates: 67.4157303371 out of 100
Scores by essay e-grader: 6.0 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.