Question

Writing: Task 3.Write a for-and-against essay entitled "Should
teenagers have credit cards?". Pay attention to the grammar. Spell
words correctly. (120-150 words)
Use the following plan:
(Paragraph 1)- state the topic
(Paragraph 2) - state advantages with reasons and examples
(Paragraph 3)- state disadvantages with reasons and examples
(Paragraph 4) - conclusion
Total [6] ребят срочно надо

Answer 1

Paragraph 1: Introduction
The issue of whether teenagers should possess credit cards is a matter of ongoing debate.

Paragraph 2: Advantages
There are several advantages to teenagers having credit cards. Firstly, it can teach them financial responsibility early on. For instance, when given a limited credit line, they can practice budgeting and learn to manage their finances. Additionally, credit cards provide a safety net for unforeseen expenses or emergencies.

Paragraph 3: Disadvantages
Conversely, there are notable drawbacks to teenagers having credit cards. A significant concern is the potential for accumulating unmanageable debt, which can lead to financial struggles in the future. Without proper guidance, they might overspend and become trapped in a cycle of debt. Credit cards can also encourage impulsive purchases, fostering poor financial habits.

Paragraph 4: Conclusion
In conclusion, whether teenagers should have credit cards depends on their level of maturity, financial education, and the support they receive from parents or guardians. While credit cards offer benefits, they also pose risks. Therefore, a cautious and well-informed approach is essential to ensure responsible credit card usage among teenagers.