Nowadays plastic money replacements such as credit and debit cards are extremely popular even more than banknotes and coins

Essay topics:

Nowadays plastic money replacements such as credit and debit cards are extremely popular, even more than banknotes and coins.

On a positive side, plastic money replacements have maximized the security and convenience of payments. Since all the paying processes are now through credit or debit cards, people no longer have to calculate the change or carry too much money along with them. In the past , people often brought a huge amount of money in their purse worrying that they might be robbed or lose it somewhere. However, it has completely changed now as all they need to do is to display a portable card that takes only 3 seconds to finish paying for their meal at a restaurant or a bill at a supermarket. Furthermore, this type of money allows people to buy houses or cars and pay back later following a fixed period. This also means that people are able to purchase the most essential possessions (shelter, vehicles, etc) with 0% interest charged.

Despite all its enormous benefits, there are some certain drawbacks in terms of plastic money. Firstly, private information of individuals is often leaked out by the banks. This elucidates why after they register to open a credit or debit card, they frequently receive loads of advertising calls from unknown numbers. Moreover, the likelihood of one being stuck in debt is relatively high since debit cards often offer a free expenditure under the provision of users paying back monthly. Therefore, people who encounter over expenditure are likely to find themselves being in debt with interest rate increasing accumulatively month by month.

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Comments

Grammar and spelling errors:
Line 1, column 273, Rule ID: COMMA_PARENTHESIS_WHITESPACE
Message: Put a space after the comma, but not before the comma
Suggestion: ,
... much money along with them. In the past , people often brought a huge amount of m...
^^
Line 3, column 1, Rule ID: WHITESPACE_RULE
Message: Possible typo: you repeated a whitespace
Suggestion:
...icles, etc with 0% interest charged. Despite all its enormous benefits, there...
^^^^^

Transition Words or Phrases used:
also, first, firstly, furthermore, however, moreover, second, so, therefore

Attributes: Values AverageValues Percentages(Values/AverageValues)% => Comments

Performance on Part of Speech:
To be verbs : 10.0 13.1623246493 76% => OK
Auxiliary verbs: 2.0 7.85571142285 25% => OK
Conjunction : 8.0 10.4138276553 77% => OK
Relative clauses : 4.0 7.30460921844 55% => More relative clauses wanted.
Pronoun: 17.0 24.0651302605 71% => OK
Preposition: 39.0 41.998997996 93% => 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: 1231.0 1615.20841683 76% => OK
No of words: 245.0 315.596192385 78% => More content wanted.
Chars per words: 5.02448979592 5.12529762239 98% => OK
Fourth root words length: 3.95632099841 4.20363070211 94% => OK
Word Length SD: 2.73994897363 2.80592935109 98% => OK
Unique words: 164.0 176.041082164 93% => More unique words wanted.
Unique words percentage: 0.669387755102 0.561755894193 119% => OK
syllable_count: 387.9 506.74238477 77% => OK
avg_syllables_per_word: 1.6 1.60771543086 100% => OK

A sentence (or a clause, phrase) starts by:
Pronoun: 5.0 5.43587174349 92% => OK
Article: 1.0 2.52805611222 40% => OK
Subordination: 1.0 2.10420841683 48% => OK
Conjunction: 0.0 0.809619238477 0% => OK
Preposition: 4.0 4.76152304609 84% => OK

Performance on sentences:
How many sentences: 11.0 16.0721442886 68% => Need more sentences. Double check the format of sentences, make sure there is a space between two sentences, or have enough periods. And also check the lengths of sentences, maybe they are too long.
Sentence length: 22.0 20.2975951904 108% => OK
Sentence length SD: 33.0051335852 49.4020404114 67% => OK
Chars per sentence: 111.909090909 106.682146367 105% => OK
Words per sentence: 22.2727272727 20.7667163134 107% => OK
Discourse Markers: 6.81818181818 7.06120827912 97% => OK
Paragraphs: 2.0 4.38176352705 46% => More paragraphs wanted.
Language errors: 2.0 5.01903807615 40% => OK
Sentences with positive sentiment : 6.0 8.67935871743 69% => OK
Sentences with negative sentiment : 4.0 3.9879759519 100% => OK
Sentences with neutral sentiment: 1.0 3.4128256513 29% => More facts, knowledge or examples wanted.
What are sentences with positive/Negative/neutral sentiment?

Coherence and Cohesion:
Essay topic to essay body coherence: 0.138211020681 0.244688304435 56% => OK
Sentence topic coherence: 0.0515561487102 0.084324248473 61% => OK
Sentence topic coherence SD: 0.0445778464916 0.0667982634062 67% => OK
Paragraph topic coherence: 0.109054649294 0.151304729494 72% => OK
Paragraph topic coherence SD: 0.00207853524925 0.056905535591 4% => 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: 13.3 13.0946893788 102% => OK
flesch_reading_ease: 49.15 50.2224549098 98% => OK
smog_index: 8.8 7.44779559118 118% => OK
flesch_kincaid_grade: 11.9 11.3001002004 105% => OK
coleman_liau_index: 12.13 12.4159519038 98% => OK
dale_chall_readability_score: 8.85 8.58950901804 103% => OK
difficult_words: 64.0 78.4519038076 82% => More difficult words wanted.
linsear_write_formula: 13.5 9.78957915832 138% => OK
gunning_fog: 10.8 10.1190380762 107% => OK
text_standard: 9.0 10.7795591182 83% => OK
What are above readability scores?

---------------------
More content wanted.
Minimum 250 words wanted.
Minimum four paragraphs wanted.

Rates: 56.1797752809 out of 100
Scores by essay e-grader: 5.0 Out of 9
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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.