Hello, good morning. That’s really an interesting question. Yes, I believe many times user credit card is more better. Because as you know that the security and safety of the product of the money is more important. So if we go on a shopping mall, there is a chance of any snatching, any robbery while going with cash along with us. But if we go through credit card, there is no chance of anything. And let I give you an example of few days before one of my neighbor who was an estate agent he was going on the bank along with the cash amount of 5 lakhs for depositing in the bank but when he went near to the bank some of the unknown people come and snatch and he lost his money. So I think that if the amount is being credited to his credit card, it can never lost his money. So this is the major disadvantage of credit using cash. But at many times, if we go on a shop in which there is no availability of credit card, as in most countries, in most middle class shops, in most middle class people, there is no availability of credit card. So at that scenario, we go on a bank and first get the cash amount and then we do it again, we deposit it again. So that’s a very bad practice and it consumes a lot of time. So at that scenario, I prefer that cash is better. So majorly, use of credit card is more better, but in some situation, I believe that being cash amount is also that yeah thank you
Band 6+: Use of credit card or cash? Which is more better
Skyrocket your IELTS band score by 1-2 points in under a month with our premium plan!
Note: Both the topic and the answer were submitted by one of our users.
81%
Accuracy
The overall pronunciation accuracy of your speech, reflecting how well a native speaker can comprehend it.
Polished transcript:
Male
Female
Hello, good morning. That's really an interesting question. Yes, I believe many times using a credit card is better. Because, as you know, the security and safety of money is more important. If we go to a shopping mall, there is a chance of snatching or robbery while carrying cash. But if we use a credit card, there is no chance of that happening. Let me give you an example: a few days ago, one of my neighbors, who is an estate agent, was going to the bank with a cash amount of 5 lakhs to deposit. When he got near the bank, some unknown people came and snatched his money. So I think that if the amount had been credited to his credit card, he would not have lost his money. This is a major disadvantage of using cash. However, many times, if we go to a shop where there is no availability of credit card payment, as in most countries and among most middle-class shops, there is no option for credit cards. In that scenario, we have to go to a bank, withdraw cash, and then make the purchase. This is a very bad practice and consumes a lot of time. So in that scenario, I prefer cash. Overall, the use of credit cards is better, but in some situations, I believe that having cash is also necessary. Thank you.
Actual audio transcript (What native speakers are likely to hear):
Tips: Click on each word to see feedback.
Speaking Time: 93 seconds