Opinion are divided as to whether the use of credit cards should be encouraged. In my opinion, while there are drawbacks to the use of credit card, I believe it brings about much more benefits.
There are several reasons why using credit card brings a lot of advantages. Firstly, credit card is bank services that assists people not to carry too much cash. Having a lot of money makes people in trouble for example, robbery or just losing your wallet in a restaurant whereas credit card is having their security system when you lost it, you can prevent other people to use it by just calling to the service provider. Secondly, normal people are paid salary by every month while credit card provides you 30 days of credit for free. So that we can have a lot of benefits from those periods, for instance, buying materials and ingredients for cooking in your restaurant, this will help you to have superb cash flows in your business. Finally, sometime there are an attractive promotion like discount when using credit card which banks always launch these campaigns. Therefore, using cash may not get any extra benefits while credit card provides you plenty of on top discount and premium gifts.
On the other hand, there is a negative impact of using credit card by some people who use it incorrectly. I believe the only problem come from the bad behavior. Particularly, many people decide to use credit card when they do not have enough money to buy something. After that, you will have to pay the high interest rate which is extremely expensive like 20 percent a year. Consequently, this cycle will make you pay higher than what you should pay.
In conclusion, credit card provides advantages to people as long as they know how to use it.
Grammar and spelling errors:
Line 1, column 21, Rule ID: WHETHER[6]
Message: Can you shorten this phrase to just 'whether', or rephrase the sentence to avoid "as to"?
Suggestion: whether
Opinion are divided as to whether the use of credit cards should be encou...
^^^^^^^^^^^^^
Transition Words or Phrases used:
consequently, finally, first, firstly, if, may, second, secondly, so, therefore, whereas, while, as to, for example, for instance, in conclusion, in my opinion, on the other hand
Attributes: Values AverageValues Percentages(Values/AverageValues)% => Comments
Performance on Part of Speech:
To be verbs : 10.0 13.1623246493 76% => OK
Auxiliary verbs: 8.0 7.85571142285 102% => OK
Conjunction : 3.0 10.4138276553 29% => More conjunction wanted.
Relative clauses : 9.0 7.30460921844 123% => OK
Pronoun: 30.0 24.0651302605 125% => Less pronouns wanted
Preposition: 36.0 41.998997996 86% => OK
Nominalization: 2.0 8.3376753507 24% => More nominalizations (nouns with a suffix like: tion ment ence ance) wanted.
Performance on vocabulary words:
No of characters: 1445.0 1615.20841683 89% => OK
No of words: 304.0 315.596192385 96% => OK
Chars per words: 4.75328947368 5.12529762239 93% => OK
Fourth root words length: 4.17559525986 4.20363070211 99% => OK
Word Length SD: 2.40814413074 2.80592935109 86% => OK
Unique words: 173.0 176.041082164 98% => OK
Unique words percentage: 0.569078947368 0.561755894193 101% => OK
syllable_count: 453.6 506.74238477 90% => OK
avg_syllables_per_word: 1.5 1.60771543086 93% => OK
A sentence (or a clause, phrase) starts by:
Pronoun: 6.0 5.43587174349 110% => OK
Article: 0.0 2.52805611222 0% => OK
Subordination: 3.0 2.10420841683 143% => OK
Conjunction: 0.0 0.809619238477 0% => OK
Preposition: 4.0 4.76152304609 84% => OK
Performance on sentences:
How many sentences: 15.0 16.0721442886 93% => OK
Sentence length: 20.0 20.2975951904 99% => OK
Sentence length SD: 50.4244208913 49.4020404114 102% => OK
Chars per sentence: 96.3333333333 106.682146367 90% => OK
Words per sentence: 20.2666666667 20.7667163134 98% => OK
Discourse Markers: 11.8666666667 7.06120827912 168% => OK
Paragraphs: 4.0 4.38176352705 91% => OK
Language errors: 1.0 5.01903807615 20% => OK
Sentences with positive sentiment : 12.0 8.67935871743 138% => 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: 0.327809143914 0.244688304435 134% => OK
Sentence topic coherence: 0.130520287189 0.084324248473 155% => OK
Sentence topic coherence SD: 0.067436128409 0.0667982634062 101% => OK
Paragraph topic coherence: 0.220661570534 0.151304729494 146% => OK
Paragraph topic coherence SD: 0.0179925477582 0.056905535591 32% => Paragraphs are similar to each other. Some content may get duplicated or it is not exactly right on the topic.
Essay readability:
automated_readability_index: 11.1 13.0946893788 85% => Automated_readability_index is low.
flesch_reading_ease: 59.64 50.2224549098 119% => OK
smog_index: 3.1 7.44779559118 42% => Smog_index is low.
flesch_kincaid_grade: 9.9 11.3001002004 88% => OK
coleman_liau_index: 10.27 12.4159519038 83% => OK
dale_chall_readability_score: 7.85 8.58950901804 91% => OK
difficult_words: 62.0 78.4519038076 79% => More difficult words wanted.
linsear_write_formula: 10.5 9.78957915832 107% => OK
gunning_fog: 10.0 10.1190380762 99% => OK
text_standard: 10.0 10.7795591182 93% => OK
What are above readability scores?
---------------------
Rates: 56.1797752809 out of 100
Scores by essay e-grader: 5.0 Out of 9
---------------------
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.