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 10.5418719212 161% => OK
Auxiliary verbs: 6.0 6.10837438424 98% => OK
Conjunction : 10.0 8.36945812808 119% => OK
Relative clauses : 12.0 5.94088669951 202% => Less relative clauses wanted (maybe 'which' is over used).
Pronoun: 23.0 20.9802955665 110% => OK
Preposition: 36.0 31.9359605911 113% => OK
Nominalization: 1.0 5.75862068966 17% => More nominalizations (nouns with a suffix like: tion ment ence ance) wanted.
Performance on vocabulary words:
No of characters: 1407.0 1207.87684729 116% => OK
No of words: 290.0 242.827586207 119% => OK
Chars per words: 4.85172413793 5.00649968141 97% => OK
Fourth root words length: 4.12666770723 3.92707691288 105% => OK
Word Length SD: 2.40127047229 2.71678728327 88% => OK
Unique words: 168.0 139.433497537 120% => OK
Unique words percentage: 0.579310344828 0.580463131201 100% => OK
syllable_count: 434.7 379.143842365 115% => OK
avg_syllables_per_word: 1.5 1.57093596059 95% => OK
A sentence (or a clause, phrase) starts by:
Pronoun: 7.0 4.6157635468 152% => OK
Article: 2.0 1.56157635468 128% => OK
Subordination: 3.0 1.71428571429 175% => OK
Conjunction: 1.0 0.931034482759 107% => OK
Preposition: 2.0 3.65517241379 55% => More preposition wanted as sentence beginning.
Performance on sentences:
How many sentences: 12.0 12.6551724138 95% => OK
Sentence length: 24.0 20.5024630542 117% => OK
Sentence length SD: 57.2675858483 50.4703680194 113% => OK
Chars per sentence: 117.25 104.977214359 112% => OK
Words per sentence: 24.1666666667 20.9669160288 115% => OK
Discourse Markers: 4.83333333333 7.25397266985 67% => OK
Paragraphs: 4.0 4.12807881773 97% => OK
Language errors: 1.0 5.33497536946 19% => OK
Sentences with positive sentiment : 11.0 6.9802955665 158% => OK
Sentences with negative sentiment : 1.0 2.75862068966 36% => More negative sentences wanted.
Sentences with neutral sentiment: 0.0 2.91625615764 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 0.242375264174 124% => OK
Sentence topic coherence: 0.102493499024 0.0925447433944 111% => OK
Sentence topic coherence SD: 0.0656263497523 0.071462118173 92% => OK
Paragraph topic coherence: 0.163728861487 0.151781067708 108% => OK
Paragraph topic coherence SD: 0.0781160771777 0.0609392437508 128% => OK
Essay readability:
automated_readability_index: 13.5 12.6369458128 107% => OK
flesch_reading_ease: 55.58 53.1260098522 105% => OK
smog_index: 3.1 6.54236453202 47% => Smog_index is low.
flesch_kincaid_grade: 11.5 10.9458128079 105% => OK
coleman_liau_index: 11.15 11.5310837438 97% => OK
dale_chall_readability_score: 8.86 8.32886699507 106% => OK
difficult_words: 74.0 55.0591133005 134% => OK
linsear_write_formula: 10.5 9.94827586207 106% => OK
gunning_fog: 11.6 10.3980295567 112% => OK
text_standard: 12.0 10.5123152709 114% => OK
What are above readability scores?
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Rates: 80.0 out of 100
Scores by essay e-grader: 72.0 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.