ADVANTAGES AND DISADVANTAGES OF CREDIT CARD?
Credit card is defined as “It is the combination of two words first is credit means The ability to obtain goods or services before payment, based on the trust that payment will be made in the future and card is defined as A plastic card issued by a bank, business, etc., for the purchase of goods or services on credit”. According to my views, I partially agree with the statement that middle-class people use the credit card more than other people.
First of all, it is convenient for those people, who don’t want to carry cash, when someone is going shopping. Another benefit is sometimes people of the middle class have a situation in which they have no money for buy grocery and pay bills, so through credit card, they can easily solve their problem. A person can do shopping and pay bills for it. Bank provide card limit, which is set according to the person monthly income, he has to pay a little amount of interest. Thirdly, it is the best way to shopping online. we can watch internet goods and products cheaper than showroom prices and more variety on the internet. We can easily use the credit card on the internet by just answering some option very quickly. Fourthly, If someone goes abroad then he has no need to convert currency because when we go abroad if we want to go shopping, then we just have to swipe card, the currency will be adjusted automatically by the system. So in these ways, the credit card is very beneficial for the middle-class person.
On another hand, we can say that some people use the credit card for shopping, for their useless name and fame. Secondly, some people of the middle class have less income as compared to other persons in their economy, so just for maintaining their standard and their show off they use credit cards. So they also have to pay interest which is useless. Another one is, if a person is not able to refund bank money in proper time, then he will come on the blacklist of the bank. Then he will not able to get help from the bank like home loan, car loan from the bank. This whole problem occurs only for raising their standard. Thirdly, when a rich person use the credit card,(who has too much income) he has no worries about paying interest but middle-class people are not able to do the same. Fourthly, the interest of credit card is very high, which is not affordable to pay by a normal person of middle class. So it can also become a burden.
In the nutshell, I would like to say that in 21st-century credit card is a very good facility for every person. But everyone must have to use it according to their family income and condition. We must not forget that a credit card demands to be used carefully.It is neither good or nor bad like most modern devices.
Grammar and spelling errors:
Line 4, column 146, Rule ID: BEEN_PART_AGREEMENT[2]
Message: Consider using a past participle here: 'peopled'.
Suggestion: peopled
... shopping. Another benefit is sometimes people of the middle class have a situation in...
^^^^^^
Line 4, column 526, Rule ID: UPPERCASE_SENTENCE_START
Message: This sentence does not start with an uppercase letter
Suggestion: We
... it is the best way to shopping online. we can watch internet goods and products c...
^^
Line 4, column 942, Rule ID: WHITESPACE_RULE
Message: Possible typo: you repeated a whitespace
Suggestion:
...e adjusted automatically by the system. So in these ways, the credit card is ver...
^^
Line 6, column 671, Rule ID: COMMA_PARENTHESIS_WHITESPACE
Message: Put a space after the comma
Suggestion: , who
..., when a rich person use the credit card,who has too much income he has no worries a...
^^^^
Line 8, column 1, Rule ID: WHITESPACE_RULE
Message: Possible typo: you repeated a whitespace
Suggestion:
...ass. So it can also become a burden. In the nutshell, I would like to say tha...
^^^^^
Line 10, column 261, Rule ID: SENTENCE_WHITESPACE
Message: Add a space between sentences
Suggestion: It
...redit card demands to be used carefully.It is neither good or nor bad like most mo...
^^
Line 10, column 280, Rule ID: NEITHER_NOR[1]
Message: Use 'nor' with neither.
Suggestion: nor
...to be used carefully.It is neither good or nor bad like most modern devices.
^^
Transition Words or Phrases used:
also, but, first, if, second, secondly, so, then, third, thirdly, as to, first of all
Attributes: Values AverageValues Percentages(Values/AverageValues)% => Comments
Performance on Part of Speech:
To be verbs : 21.0 10.5418719212 199% => OK
Auxiliary verbs: 14.0 6.10837438424 229% => Less auxiliary verb wanted.
Conjunction : 14.0 8.36945812808 167% => OK
Relative clauses : 14.0 5.94088669951 236% => Less relative clauses wanted (maybe 'which' is over used).
Pronoun: 41.0 20.9802955665 195% => Less pronouns wanted
Preposition: 55.0 31.9359605911 172% => OK
Nominalization: 6.0 5.75862068966 104% => OK
Performance on vocabulary words:
No of characters: 2262.0 1207.87684729 187% => OK
No of words: 498.0 242.827586207 205% => Less content wanted.
Chars per words: 4.5421686747 5.00649968141 91% => OK
Fourth root words length: 4.72397222731 3.92707691288 120% => OK
Word Length SD: 2.36715221784 2.71678728327 87% => OK
Unique words: 228.0 139.433497537 164% => OK
Unique words percentage: 0.457831325301 0.580463131201 79% => More unique words wanted or less content wanted.
syllable_count: 702.0 379.143842365 185% => OK
avg_syllables_per_word: 1.4 1.57093596059 89% => OK
A sentence (or a clause, phrase) starts by:
Pronoun: 13.0 4.6157635468 282% => Less pronouns wanted as sentence beginning.
Article: 4.0 1.56157635468 256% => Less articles wanted as sentence beginning.
Subordination: 4.0 1.71428571429 233% => Less adverbial clause wanted.
Conjunction: 1.0 0.931034482759 107% => OK
Preposition: 3.0 3.65517241379 82% => OK
Performance on sentences:
How many sentences: 23.0 12.6551724138 182% => OK
Sentence length: 21.0 20.5024630542 102% => OK
Sentence length SD: 65.1856734466 50.4703680194 129% => OK
Chars per sentence: 98.347826087 104.977214359 94% => OK
Words per sentence: 21.652173913 20.9669160288 103% => OK
Discourse Markers: 3.69565217391 7.25397266985 51% => More transition words/phrases wanted.
Paragraphs: 4.0 4.12807881773 97% => OK
Language errors: 7.0 5.33497536946 131% => OK
Sentences with positive sentiment : 14.0 6.9802955665 201% => Less positive sentences wanted.
Sentences with negative sentiment : 6.0 2.75862068966 217% => Less negative sentences wanted.
Sentences with neutral sentiment: 3.0 2.91625615764 103% => OK
What are sentences with positive/Negative/neutral sentiment?
Coherence and Cohesion:
Essay topic to essay body coherence: 0.220655073857 0.242375264174 91% => OK
Sentence topic coherence: 0.0756911284413 0.0925447433944 82% => OK
Sentence topic coherence SD: 0.078164818594 0.071462118173 109% => OK
Paragraph topic coherence: 0.176804795013 0.151781067708 116% => OK
Paragraph topic coherence SD: 0.0574886525328 0.0609392437508 94% => OK
Essay readability:
automated_readability_index: 10.8 12.6369458128 85% => Automated_readability_index is low.
flesch_reading_ease: 67.08 53.1260098522 126% => OK
smog_index: 3.1 6.54236453202 47% => Smog_index is low.
flesch_kincaid_grade: 9.1 10.9458128079 83% => OK
coleman_liau_index: 9.05 11.5310837438 78% => OK
dale_chall_readability_score: 7.4 8.32886699507 89% => OK
difficult_words: 86.0 55.0591133005 156% => OK
linsear_write_formula: 18.0 9.94827586207 181% => OK
gunning_fog: 10.4 10.3980295567 100% => OK
text_standard: 11.0 10.5123152709 105% => OK
What are above readability scores?
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Rates: 55.5555555556 out of 100
Scores by essay e-grader: 50.0 Out of 90
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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.