The easy availability of credit cards make majority of card users overspend and lose track of their budget. I completely accord with this notion that the banks need to take strict measures to ensure the security of such payments and not issue cards without investigating the credibility of an individual.
First and foremost, ease of payment of card bills have made the individuals more spendthrift as they get quite a long period for paying the bills. They are presume that the payment has not to be made immediately but in a few days which not only motivates them to buy beyond their means but sometimes even such luxury items which, they otherwise would not have bough. Hence it puts strain on their monthly budget, leading to debts. For instance, In India, majority of banks provide 40-45 days for the credit payment against a credit card, this prompts the individuals to purchase may goods. Moreover, majority of banks also provide easy EMIs to either expensive shopping, or bill payment of credit cards. This trend makes the individuals lose track of necessities and desires.
In order to curtail such irresponsible spending which results in bad debts, the banks need to examine the financial reports of any individual before issuing the credit card. This will not only ensure the safety of the bank's finances, as well as, will also make the individuals aware of any repercussions of not paying the money on time. Besides this, scrutinizing the the individuals' source of income and his capacity to repay, would be an amicable solution to restrict such irresponsible expenditure.
To conclude, I would reiterate that although the issuance of credit cards with easy way of re-payment, makes people more inclined towards spending, but, the banks need to appropriate measures and thoroughly investigate the monetary situation of any individual prior to issuing a credit card.
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Grammar and spelling errors:
Line 3, column 157, Rule ID: BEEN_PART_AGREEMENT[1]
Message: Consider using a past participle here: 'presumed'.
Suggestion: presumed
...g period for paying the bills. They are presume that the payment has not to be made imm...
^^^^^^^
Line 3, column 300, Rule ID: WHITESPACE_RULE
Message: Possible typo: you repeated a whitespace
Suggestion:
... to buy beyond their means but sometimes even such luxury items which, they other...
^^
Line 3, column 369, Rule ID: SENT_START_CONJUNCTIVE_LINKING_ADVERB_COMMA[1]
Message: Did you forget a comma after a conjunctive/linking adverb?
Suggestion: Hence,
...h, they otherwise would not have bough. Hence it puts strain on their monthly budget,...
^^^^^
Line 5, column 365, Rule ID: ENGLISH_WORD_REPEAT_RULE
Message: Possible typo: you repeated a word
Suggestion: the
...ney on time. Besides this, scrutinizing the the individuals source of income and his ca...
^^^^^^^
Line 5, column 365, Rule ID: DT_DT[1]
Message: Maybe you need to remove one determiner so that only 'the' or 'the' is left.
Suggestion: the; the
...ney on time. Besides this, scrutinizing the the individuals source of income and his ca...
^^^^^^^
Transition Words or Phrases used:
also, besides, but, first, hence, if, may, moreover, so, well, for instance, as well as
Attributes: Values AverageValues Percentages(Values/AverageValues)% => Comments
Performance on Part of Speech:
To be verbs : 3.0 13.1623246493 23% => More to be verbs wanted.
Auxiliary verbs: 9.0 7.85571142285 115% => OK
Conjunction : 9.0 10.4138276553 86% => OK
Relative clauses : 6.0 7.30460921844 82% => OK
Pronoun: 19.0 24.0651302605 79% => OK
Preposition: 46.0 41.998997996 110% => OK
Nominalization: 9.0 8.3376753507 108% => OK
Performance on vocabulary words:
No of characters: 1580.0 1615.20841683 98% => OK
No of words: 309.0 315.596192385 98% => OK
Chars per words: 5.11326860841 5.12529762239 100% => OK
Fourth root words length: 4.1926597562 4.20363070211 100% => OK
Word Length SD: 2.7113406896 2.80592935109 97% => OK
Unique words: 169.0 176.041082164 96% => OK
Unique words percentage: 0.546925566343 0.561755894193 97% => OK
syllable_count: 493.2 506.74238477 97% => OK
avg_syllables_per_word: 1.6 1.60771543086 100% => OK
A sentence (or a clause, phrase) starts by:
Pronoun: 7.0 5.43587174349 129% => OK
Article: 3.0 2.52805611222 119% => OK
Subordination: 1.0 2.10420841683 48% => OK
Conjunction: 1.0 0.809619238477 124% => OK
Preposition: 4.0 4.76152304609 84% => 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: 60.9184336269 49.4020404114 123% => OK
Chars per sentence: 131.666666667 106.682146367 123% => OK
Words per sentence: 25.75 20.7667163134 124% => OK
Discourse Markers: 7.25 7.06120827912 103% => OK
Paragraphs: 4.0 4.38176352705 91% => OK
Language errors: 5.0 5.01903807615 100% => OK
Sentences with positive sentiment : 7.0 8.67935871743 81% => 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: 0.299154831293 0.244688304435 122% => OK
Sentence topic coherence: 0.11374287523 0.084324248473 135% => OK
Sentence topic coherence SD: 0.0559348613943 0.0667982634062 84% => OK
Paragraph topic coherence: 0.19707939366 0.151304729494 130% => OK
Paragraph topic coherence SD: 0.00836386247303 0.056905535591 15% => 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: 15.5 13.0946893788 118% => OK
flesch_reading_ease: 46.1 50.2224549098 92% => OK
smog_index: 11.2 7.44779559118 150% => OK
flesch_kincaid_grade: 13.0 11.3001002004 115% => OK
coleman_liau_index: 12.65 12.4159519038 102% => OK
dale_chall_readability_score: 8.5 8.58950901804 99% => OK
difficult_words: 71.0 78.4519038076 91% => OK
linsear_write_formula: 15.0 9.78957915832 153% => OK
gunning_fog: 12.0 10.1190380762 119% => OK
text_standard: 13.0 10.7795591182 121% => OK
What are above readability scores?
---------------------
Rates: 73.0337078652 out of 100
Scores by essay e-grader: 6.5 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.