Nowadays plastic money replacements such as credit and debit cards are extremely popular, even more than banknotes and coins.
Credit and debit cards have been gaining in popularity in recent years, gradually replacing the use of cash in many countries. This development involves a great deal of advantages for both the bank users and their countries' economy but has some drawbacks and risks for them as well.
First of all, it is undeniable that cards have changed our life a lot, in a positive way. Everything has become more convenient since the introduction of those cash replacements. For example, they are designed smartly to be big enough to be fixed in our pocket, but not too small for us to find when necessary so that we can carry them everywhere we want and use them whenever we need without worrying about losing them. Besides, they have helped us to save significant amounts of money, instead of going to the shops to pay money and buy our favourite things, we are allowed to do transactions in only 20 seconds, and the packages would be delivered right to our home. Moreover, many policies have been enforced to encourage all citizens to use credit cards so people have been offered discounts when paying through Internet Banking Service, consequently, helping them save much more money too.
On the other hand, using credit cards also includes some disadvantages and risks for individuals. They have to pay an amount for maintaining the validity of their cards every month, which is called card holder money. This is really an annoyance for everyone, especially students, who don't have decent jobs and want to save as much money for their future. Besides, if a bank goes bankrupt, bank users can get only a small amount of their money, or even worse, lose them all. Particularly, in Vietnam, it is not important how much that people have invested in a bank, once it goes bust, the specified compensation is just 50 million VND. What's more, money stored in those cards has the possibility of being stolen from strangers. Despite the strict monitors from the banks, thanks to modern and exquisite tricks, bank robbers can effortlessly get money from the card owners. This problem has occurred in many countries, particularly the underdeveloped and developing ones. Even though robbers were arrested and the banks have been trying very hard to prevent this worry, it is a real nightmare for all bank users.
In conclusion, besides some values that using credit or debit cards have brought to human life, it also involves some drawbacks and threats to people's money. Therefore, the government and bank directors should have some solutions and policies to ensure the benefits of all the card owners.
- Some people think students should study the science of food and how to prepare it Others think students should spend time on important subjects Discuss both views and give your opinion 89
- Extreme sports such as sky diving and skiing are very dangerous and should be banned To what extent do you agree or disagree with this view 89
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- People are having more and more sugar based drinks What are the reasons What can be done to make people drink less 95
- Pollution of rivers lakes and seas is a major concern for people who seek to protect the environment What are the possible causes of water pollution and what effects does this have on animal life and human society Give reasons for your answer and include 78
Grammar and spelling errors:
Line 3, column 72, Rule ID: IN_A_X_MANNER[1]
Message: Consider replacing "in a positive way" with adverb for "positive"; eg, "in a hasty manner" with "hastily".
...that cards have changed our life a lot, in a positive way. Everything has become more convenient...
^^^^^^^^^^^^^^^^^
Line 3, column 101, Rule ID: WHITESPACE_RULE
Message: Possible typo: you repeated a whitespace
Suggestion:
...ife a lot, in a positive way. Everything has become more convenient since the int...
^^
Line 5, column 285, Rule ID: EN_CONTRACTION_SPELLING
Message: Possible spelling mistake found
Suggestion: don't
... for everyone, especially students, who dont have decent jobs and want to save as mu...
^^^^
Line 5, column 637, Rule ID: EN_CONTRACTION_SPELLING
Message: Possible spelling mistake found
Suggestion: What's
...ed compensation is just 50 million VND. Whats more, money stored in those cards has t...
^^^^^
Line 7, column 144, Rule ID: TO_NON_BASE[1]
Message: The verb after "to" should be in the base form: 'people'.
Suggestion: people
... involves some drawbacks and threats to peoples money. Therefore, the government and ba...
^^^^^^^
Transition Words or Phrases used:
also, besides, but, consequently, first, if, moreover, really, second, so, therefore, well, for example, in conclusion, first of all, on the other hand
Attributes: Values AverageValues Percentages(Values/AverageValues)% => Comments
Performance on Part of Speech:
To be verbs : 17.0 13.1623246493 129% => OK
Auxiliary verbs: 6.0 7.85571142285 76% => OK
Conjunction : 18.0 10.4138276553 173% => OK
Relative clauses : 8.0 7.30460921844 110% => OK
Pronoun: 38.0 24.0651302605 158% => Less pronouns wanted
Preposition: 48.0 41.998997996 114% => OK
Nominalization: 5.0 8.3376753507 60% => More nominalizations (nouns with a suffix like: tion ment ence ance) wanted.
Performance on vocabulary words:
No of characters: 2155.0 1615.20841683 133% => OK
No of words: 438.0 315.596192385 139% => Less content wanted.
Chars per words: 4.9200913242 5.12529762239 96% => OK
Fourth root words length: 4.57476223824 4.20363070211 109% => OK
Word Length SD: 2.60573507846 2.80592935109 93% => OK
Unique words: 240.0 176.041082164 136% => OK
Unique words percentage: 0.547945205479 0.561755894193 98% => OK
syllable_count: 662.4 506.74238477 131% => OK
avg_syllables_per_word: 1.5 1.60771543086 93% => OK
A sentence (or a clause, phrase) starts by:
Pronoun: 11.0 5.43587174349 202% => Less pronouns wanted as sentence beginning.
Article: 2.0 2.52805611222 79% => OK
Subordination: 2.0 2.10420841683 95% => OK
Conjunction: 3.0 0.809619238477 371% => Less conjunction wanted as sentence beginning.
Preposition: 7.0 4.76152304609 147% => OK
Performance on sentences:
How many sentences: 18.0 16.0721442886 112% => OK
Sentence length: 24.0 20.2975951904 118% => OK
Sentence length SD: 48.5960929182 49.4020404114 98% => OK
Chars per sentence: 119.722222222 106.682146367 112% => OK
Words per sentence: 24.3333333333 20.7667163134 117% => OK
Discourse Markers: 8.38888888889 7.06120827912 119% => OK
Paragraphs: 4.0 4.38176352705 91% => OK
Language errors: 5.0 5.01903807615 100% => OK
Sentences with positive sentiment : 11.0 8.67935871743 127% => OK
Sentences with negative sentiment : 6.0 3.9879759519 150% => 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: 0.159774244859 0.244688304435 65% => OK
Sentence topic coherence: 0.0606502340396 0.084324248473 72% => OK
Sentence topic coherence SD: 0.0534357651058 0.0667982634062 80% => OK
Paragraph topic coherence: 0.11003236561 0.151304729494 73% => OK
Paragraph topic coherence SD: 0.018534620158 0.056905535591 33% => 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: 13.9 13.0946893788 106% => OK
flesch_reading_ease: 55.58 50.2224549098 111% => OK
smog_index: 8.8 7.44779559118 118% => OK
flesch_kincaid_grade: 11.5 11.3001002004 102% => OK
coleman_liau_index: 11.55 12.4159519038 93% => OK
dale_chall_readability_score: 8.68 8.58950901804 101% => OK
difficult_words: 107.0 78.4519038076 136% => OK
linsear_write_formula: 11.5 9.78957915832 117% => OK
gunning_fog: 11.6 10.1190380762 115% => OK
text_standard: 12.0 10.7795591182 111% => OK
What are above readability scores?
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Rates: 67.4157303371 out of 100
Scores by essay e-grader: 6.0 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.