THE REASON THAT MOST INDIVIDUALS ARE IN DEBITS IS DUE TO THE OVERUSE AS WELL AS IRRESPONSIBLE USE OF CREDIT CARDS. BANKS SHOULD NOT ISSUE CREDIT CARDS UNLESS THEY ARE COMPLETELY SURE OF AN INDIVIDUAL’S ABILITY TO PAY BACK THEIR DEBITS.
It is widely believed that credit cards have helped people in many cases, but on the other hand, putting them in debt and other terrible consequences. While this payment method may bring some benefits to both individuals and banks, i personally believe that it is necessary for the banks to check the payment’s history of each customer before letting them use credit card.
First, in order to avoid unexpected situations, it is better for banks to make surveys and inquiries about their customers’ spending history before issuing them credit cards. This means, by completely sure about each individual financial ability, it can decrease the chance of losing money. More than that, since some customers may overuse their credit cards to pay for unnecessary, but costly things, the banks may become bankrupt if having to pay for those items. So, it is beneficial for the bank to make sure about their customer’s economic background before providing them credit cards. For instance, ACB or EXIMBANK now have created many assessments to make sure about their customers’ payment ability before issuing them such way of payment.
Moreover, by restricting irresponsible individuals from the use of plastic money, the banks can eliminate social evils. In fact, many credit card users have become criminals in order to find some money to pay for their loans. A case in point that Jamie, a well-known Instagramers, who claimed to be overuse her credit cards to purchase expensive clothes and cars, have been arrested for gambling. This means, it is compulsory to check the responsibility of each customer in order to avoid any bad consequences that may adversely affect the society.
In conclusion, although credit card may bring lots of benefits to both banks and consumers, I still believe that banks must make sure that their customers are responsible for their payment so as to avoid terrible consequences.
Grammar and spelling errors:
Line 4, column 190, Rule ID: SO_AS_TO[1]
Message: Use simply 'to'
Suggestion: to
...omers are responsible for their payment so as to avoid terrible consequences.
^^^^^^^^
Transition Words or Phrases used:
but, first, if, may, moreover, so, still, well, while, as to, for instance, in conclusion, in fact, in many cases, on the other hand
Attributes: Values AverageValues Percentages(Values/AverageValues)% => Comments
Performance on Part of Speech:
To be verbs : 8.0 13.1623246493 61% => OK
Auxiliary verbs: 8.0 7.85571142285 102% => OK
Conjunction : 8.0 10.4138276553 77% => OK
Relative clauses : 8.0 7.30460921844 110% => OK
Pronoun: 32.0 24.0651302605 133% => Less pronouns wanted
Preposition: 43.0 41.998997996 102% => 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: 1604.0 1615.20841683 99% => OK
No of words: 310.0 315.596192385 98% => OK
Chars per words: 5.17419354839 5.12529762239 101% => OK
Fourth root words length: 4.19604776685 4.20363070211 100% => OK
Word Length SD: 2.73517953267 2.80592935109 97% => OK
Unique words: 164.0 176.041082164 93% => More unique words wanted.
Unique words percentage: 0.529032258065 0.561755894193 94% => More unique words wanted or less content wanted.
syllable_count: 497.7 506.74238477 98% => OK
avg_syllables_per_word: 1.6 1.60771543086 100% => OK
A sentence (or a clause, phrase) starts by:
Pronoun: 9.0 5.43587174349 166% => OK
Article: 4.0 2.52805611222 158% => OK
Subordination: 3.0 2.10420841683 143% => OK
Conjunction: 2.0 0.809619238477 247% => Less conjunction wanted as sentence beginning.
Preposition: 6.0 4.76152304609 126% => OK
Performance on sentences:
How many sentences: 12.0 16.0721442886 75% => 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: 25.0 20.2975951904 123% => The Avg. Sentence Length is relatively long.
Sentence length SD: 37.4451450643 49.4020404114 76% => OK
Chars per sentence: 133.666666667 106.682146367 125% => OK
Words per sentence: 25.8333333333 20.7667163134 124% => OK
Discourse Markers: 11.0 7.06120827912 156% => OK
Paragraphs: 4.0 4.38176352705 91% => OK
Language errors: 1.0 5.01903807615 20% => OK
Sentences with positive sentiment : 6.0 8.67935871743 69% => OK
Sentences with negative sentiment : 6.0 3.9879759519 150% => OK
Sentences with neutral sentiment: 0.0 3.4128256513 0% => More facts, knowledge or examples wanted.
What are sentences with positive/Negative/neutral sentiment?
Coherence and Cohesion:
Essay topic to essay body coherence: 0.271880874316 0.244688304435 111% => OK
Sentence topic coherence: 0.114248441881 0.084324248473 135% => OK
Sentence topic coherence SD: 0.0444458355626 0.0667982634062 67% => OK
Paragraph topic coherence: 0.183766159254 0.151304729494 121% => OK
Paragraph topic coherence SD: 0.0204532657849 0.056905535591 36% => 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: 15.8 13.0946893788 121% => OK
flesch_reading_ease: 46.1 50.2224549098 92% => OK
smog_index: 8.8 7.44779559118 118% => OK
flesch_kincaid_grade: 13.0 11.3001002004 115% => OK
coleman_liau_index: 13.0 12.4159519038 105% => OK
dale_chall_readability_score: 8.49 8.58950901804 99% => OK
difficult_words: 71.0 78.4519038076 91% => OK
linsear_write_formula: 14.5 9.78957915832 148% => OK
gunning_fog: 12.0 10.1190380762 119% => OK
text_standard: 13.0 10.7795591182 121% => 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.