You should spend about 40 minutes on this part.
Write about the following topic:
In many countries, it is easy to apply for and be given a credit card. However, this causes some people to have problems with debt they cannot pay back. Do the advantages outweigh the disadvantages?
Give reasons for your answer and include any relevant examples from your own knowledge or experience.
Write at least 250 words.
Word count: 0
Part 1