In a cashless society, people use more credit cards. what are advantages and disadvantages of this phenomenon?
The importance of people using more credit cards was always a debatable topic. Even though, many people claim that credit cards are very beneficial to buy goods or products before payment. Others reject this notion and argue that people use card for shopping for their useless name and fame. The substantial influence of using credit cards for purchasing items has sparked the controversy over the potential impact of this trend in recent years. In my opinion, former proposition appears to be more rational. The following essay would further elaborate advantages and disadvantages of credit card and thus lead to a plausible conclusion.
To start with, it is convenient for those people, who don't want to carry cash when going for shopping. Another benefit from credit cards is that middle class people won't have enough money to buy groceries or products, so through credit card they can buy easily solve this problem. Bank provide credit limit depending upon the monthly income of the person and he has to pay little interest on it. Credit cards are the best ways to do online shopping and to buy products cheaper than shop prices. For example, if we want to buy a television online you can use credit as payment option and purchase that. This example clearly exemplifies that credit cards are very useful for us in our daily routine life.
On the other hand, some people use credit cards only to show off their card and to maintain their standard in front of others. If person don't pay the credit card bill on time they have to pay extra interest on that. And if the person is not able to payment for multiple times then bank will mark him in black list. People use credit card limit beyond their monthly income and fails to pay the amount on time. Finally the interest rates of credit cards are very high which is not affordable by the middle class person. For example, if the person don't pay on time bank will charge 15 to 20% interest rates as late penalty.
In a nutshell, I would like to say that credit cards are very beneficial for every person but everyone must have to use it according to the income and condition.
Grammar and spelling errors:
Line 3, column 55, Rule ID: EN_CONTRACTION_SPELLING
Message: Possible spelling mistake found
Suggestion: don't
... it is convenient for those people, who dont want to carry cash when going for shopp...
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Line 5, column 128, Rule ID: SENTENCE_FRAGMENT[1]
Message: “If” at the beginning of a sentence requires a 2nd clause. Maybe a comma, question or exclamation mark is missing, or the sentence is incomplete and should be joined with the following sentence.
...tain their standard in front of others. If person dont pay the credit card bill on...
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Line 5, column 138, Rule ID: EN_CONTRACTION_SPELLING
Message: Possible spelling mistake found
Suggestion: don't
... standard in front of others. If person dont pay the credit card bill on time they h...
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Line 5, column 410, Rule ID: SENT_START_CONJUNCTIVE_LINKING_ADVERB_COMMA[1]
Message: Did you forget a comma after a conjunctive/linking adverb?
Suggestion: Finally,
...me and fails to pay the amount on time. Finally the interest rates of credit cards are ...
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Line 5, column 546, Rule ID: EN_CONTRACTION_SPELLING
Message: Possible spelling mistake found
Suggestion: don't
...lass person. For example, if the person dont pay on time bank will charge 15 to 20% ...
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Transition Words or Phrases used:
but, finally, if, so, then, thus, as to, for example, in my opinion, to start with, on the other hand
Attributes: Values AverageValues Percentages(Values/AverageValues)% => Comments
Performance on Part of Speech:
To be verbs : 11.0 10.5418719212 104% => OK
Auxiliary verbs: 7.0 6.10837438424 115% => OK
Conjunction : 14.0 8.36945812808 167% => OK
Relative clauses : 10.0 5.94088669951 168% => OK
Pronoun: 29.0 20.9802955665 138% => Less pronouns wanted
Preposition: 47.0 31.9359605911 147% => OK
Nominalization: 7.0 5.75862068966 122% => OK
Performance on vocabulary words:
No of characters: 1763.0 1207.87684729 146% => OK
No of words: 375.0 242.827586207 154% => Less content wanted.
Chars per words: 4.70133333333 5.00649968141 94% => OK
Fourth root words length: 4.40055868397 3.92707691288 112% => OK
Word Length SD: 2.26842911872 2.71678728327 83% => OK
Unique words: 197.0 139.433497537 141% => OK
Unique words percentage: 0.525333333333 0.580463131201 91% => More unique words wanted or less content wanted.
syllable_count: 547.2 379.143842365 144% => OK
avg_syllables_per_word: 1.5 1.57093596059 95% => OK
A sentence (or a clause, phrase) starts by:
Pronoun: 3.0 4.6157635468 65% => OK
Article: 3.0 1.56157635468 192% => OK
Subordination: 4.0 1.71428571429 233% => Less adverbial clause wanted.
Conjunction: 1.0 0.931034482759 107% => OK
Preposition: 4.0 3.65517241379 109% => OK
Performance on sentences:
How many sentences: 19.0 12.6551724138 150% => OK
Sentence length: 19.0 20.5024630542 93% => OK
Sentence length SD: 27.362246267 50.4703680194 54% => The essay contains lots of sentences with the similar length. More sentence varieties wanted.
Chars per sentence: 92.7894736842 104.977214359 88% => OK
Words per sentence: 19.7368421053 20.9669160288 94% => OK
Discourse Markers: 5.31578947368 7.25397266985 73% => OK
Paragraphs: 4.0 4.12807881773 97% => OK
Language errors: 5.0 5.33497536946 94% => OK
Sentences with positive sentiment : 14.0 6.9802955665 201% => Less positive sentences wanted.
Sentences with negative sentiment : 3.0 2.75862068966 109% => OK
Sentences with neutral sentiment: 2.0 2.91625615764 69% => OK
What are sentences with positive/Negative/neutral sentiment?
Coherence and Cohesion:
Essay topic to essay body coherence: 0.213410306258 0.242375264174 88% => OK
Sentence topic coherence: 0.0816403026324 0.0925447433944 88% => OK
Sentence topic coherence SD: 0.0570009922272 0.071462118173 80% => OK
Paragraph topic coherence: 0.144630822947 0.151781067708 95% => OK
Paragraph topic coherence SD: 0.0737593373065 0.0609392437508 121% => OK
Essay readability:
automated_readability_index: 10.6 12.6369458128 84% => Automated_readability_index is low.
flesch_reading_ease: 60.65 53.1260098522 114% => OK
smog_index: 3.1 6.54236453202 47% => Smog_index is low.
flesch_kincaid_grade: 9.5 10.9458128079 87% => OK
coleman_liau_index: 9.98 11.5310837438 87% => OK
dale_chall_readability_score: 7.65 8.32886699507 92% => OK
difficult_words: 73.0 55.0591133005 133% => OK
linsear_write_formula: 8.5 9.94827586207 85% => OK
gunning_fog: 9.6 10.3980295567 92% => OK
text_standard: 10.0 10.5123152709 95% => OK
What are above readability scores?
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Rates: 65.0 out of 100
Scores by essay e-grader: 58.5 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.