Trong chuyên mục Giải đề IELTS Writing Task 2 tuần này, thầy Thành Công – giáo viên tại The IELTS Workshop sẽ cùng bạn khám phá chủ đề Credit card nhé!
1. Phân tích đề bài
1.1. Đề bài
Nowadays it is easy to apply for and be given a credit card. However, some people experience problems when they are not able to pay their debts back. Do the advantages of credit cards outweigh the disadvantages?
(Ngày nay, việc đăng ký và được cấp thẻ tín dụng trở nên rất dễ dàng. Tuy nhiên, một số người gặp rắc rối khi họ không thể trả lại các khoản nợ. Vậy liệu những lợi ích của thẻ tín dụng có lớn hơn những bất lợi hay không?)
1.2. Phân tích đề bài
Dạng bài: Advantage & Disadvantage + opinion
Từ khoá chính: credit card, debt, advantages, disadvantages
Phân tích yêu cầu đề bài: Đề bài yêu cầu chúng ta bàn luận 2 mặt tốt và xấu của thẻ tín dụng rồi đưa ra quan điểm cá nhân rằng nên mặt nào quan trọng hơn => Theo ý kiến cá nhân thì mặt tốt của thẻ tín dụng quan trọng hơn.
Xem thêm: Cách làm dạng bài advantages and disadvantages trong IELTS Writing task 2
1.3. Dàn bài
Disadvantage:
- Overspending
- Surcharges, hidden expenses
=> Debt, financial ruin
=> can be prevented – need financial responsibility
Advantage:
- Sense of comfort
Example: buy plane tickets, holidays with credit card – fully relax
- Pay in installments + rewards
Example: cashback à complimentary offers
2. Bài mẫu
In recent years, the process of granting credit cards has become significantly effortless regardless of applicants’ backgrounds and financial conditions. Despite harboring a number of potential drawbacks, I would contend that this trend is more positive due to the benefits it offers.
On the one hand, there are certain risks involved with owning credit cards. Firstly, this deferred method of payment could be conducive to overspending. The primary reason for this is that card holders tend to get carried away by the ability to make purchases first then pay them off at the end of the billing cycle. Furthermore, many individuals prefer to gloss over the terms and conditions during the application process with a view to quickly possessing a credit card. Therefore, they could overlook specific stipulations or rules, especially when it comes to surcharges or hidden expenses such as annual fees or penalties when they only pay off the minimum amount due. As a result, the instant gratification may cause them to neglect the amount of debt they have accumulated, which could land them in a state of financial ruin in the long run. However, the aforementioned disadvantages could be easily prevented with a small amount of assistance and attention to detail. For instance, modern technology provides people with a number of tools to help them keep track of their expenditures and payment deadlines by means of setting notifications or alarms to remind them in advance, which would allow people to be more responsible in terms of their finances.
On the other hand, I believe the advantages that credit cards bring to users could justify the downsides. The first perk is that it offers individuals a sense of comfort. Having the ability to make delayed payments will allow people to comfortably purchase things they enjoy. Thereby, they would be able to enjoy a higher standard of living without feeling guilty or suffering from self-doubt. An example for this would be how many city folks opt for using credit cards to book plane tickets and make other purchases during their trips in order to fully enjoy their vacation and not have to worry about the outpour of money, which will be dealt with after the fact. On top of being able to pay off debt at a later date, many card providers and banks now offer the opportunity to pay in installments along with an abundance of promotions and rewards for card holders. A common practice of this would be the cashback program, which allows users to earn a small amount of money back for every charge they incur on their cards. This could then be directly deducted from their next bank statement or be exchanged for complimentary gifts. Therefore, owning credit cards could prove to be an economical option for many individuals.
In conclusion, credit cards offer their owners a number of positives which overall outweigh the disadvantages. However, it is essential that they are used with caution and responsibility.
Sample 7.0 by Nguyen Thanh Cong – IELTS Teacher at The IELTS Workshop
3. Vocabulary
- To harbor (v): chứa, giữ
- Be conducive to (adj): dẫn đến, tạo điều kiện cho cái gì xảy ra
- Get carried away (phrase): bị cuốn đi, quá khích
- To gloss over (v): bỏ qua, lờ đi
- Instant gratification (n): sự thoả mãn tức thời
- Financial ruin (n): tình trạng kiệt quệ về tài chính
- To incur (v): chịu, gánh
- Complimentary (adj): miễn phí
Xem thêm: Cách học từ vựng IELTS hiệu quả từ thầy Đặng Trần Tùng 9.0
Tạm kết
Mong rằng bài viết mẫu trên đã mang đến cho bạn một góc nhìn toàn diện và cách triển khai mạch lạc cho dạng bài Advantage and Disadvantage trong IELTS Writing Task 2 với chủ đề Credit card.
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