Band 4.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 4.5 · Cambridge IELTS 17 · 2026-10-09

IELTS Writing Task 2 question

In the future, people may no longer be able to pay for things in shops using cash. All payments may have to be made by card or using phones. Do you think this will happen one day? Why do you think some people might not be happy to give up using cash?

Give reasons for your answer and include any relevant examples from your own knowledge or experience.

 

Student answer (Band 4.5)

Usage of cards for buying Things

People may no longer be able to pay things in shops using cash.All payments may have to be made by card or using phones.Now days society is using updated techonlogy day by day our techonology is developing huge way in the same way government also providing updated things in the market ,with out government people can not use by directly ,We can not belive about the new things once approved by government can get confidient about the things .

For example all payments may have to be made by card or using phones.Now days all banks are providing credit cards ,debit cards and loan zero percentage intrest rates ,offers schems such way good usefull for peopels ,Not only loans credit cards give amount in the month of begin we can pay later on they give due day time with zero intrest after that just ten percentage ,Such way government abd banks are helping to peoples .

According to me i have my own credit card most of the time i was using my card to buy the things ,Because compering to varry cash card is easy last month my husband lost is credit card by accidently .We blocked our card immediaitly we any one try to use it is not possible ,If we lost cash we could not find cash our hard work money it impossible to find it ,So these way we can solve our problems .

in conclusion ,i did not think this such techonolgy improvemnt made fast we can say before corona and after corona virus world as got many changes one of the example is cards usage

AI examiner evaluation

Task Achievement / Task Response: Band 3.5

You give a clear personal view that card payments are likely to become more common, and your example of blocking your husband’s lost card supports the convenience and security of cashless payment. However, the response only partly answers the task: it does not clearly explain why some people might be unhappy to give up cash, such as concerns about privacy, access to banking, or technology failures. The discussion of banks’ credit-card offers is also not fully connected to whether cash will disappear. The conclusion mentions change after the pandemic but does not firmly answer whether cash will eventually become unavailable. The response is 243 words, so it is 7 words below the 250-word minimum; 37 words copied from the task prompt were not counted. Develop both parts of the question with relevant explanations and examples.

Coherence and Cohesion: Band 4.0

The response has a basic paragraph structure: an introduction, examples about banks, a personal experience, and a conclusion. This gives the reader some sense of how the ideas are grouped. However, progression between points is often unclear. For example, the discussion moves from government approval to credit-card offers without explaining how these support the prediction that cash will disappear. Linking phrases such as “For example,” “According to me,” and “in conclusion” are used, but some connections feel mechanical or do not accurately signal the relationship between ideas. Several long sentences combine multiple points, making the reasoning difficult to follow. To improve, give each paragraph one clear purpose and use shorter sentences with explicit links between the claim, explanation, and example.

Lexical Resource: Band 5.0

You use some relevant vocabulary for the topic, including “credit cards,” “debit cards,” “blocked our card,” and “zero interest,” and the lost-card example shows an attempt to describe a practical benefit. However, the range is limited and several word choices or spellings make meaning less clear, as in “updated technology,” “huge way,” “loan zero percentage interest rates,” and “hard work money.” Repetition of “things,” “cards,” and “government” also limits precision. Some phrases appear to be translated directly rather than expressed in natural English. Build a wider set of accurate terms for cashless payments and possible concerns, such as “digital transactions,” “financial privacy,” and “people without bank accounts,” and check spelling and collocations carefully.

Grammatical Range and Accuracy: Band 4.5

You attempt both simple and longer sentence forms, and the reader can understand the main point in several places, particularly the account of blocking a lost card. However, sentence structure and punctuation are frequently inaccurate, and long sentences often run together without clear grammatical links. For example, “Now days society is using updated techonlogy day by day our techonology is developing…” joins several clauses without suitable punctuation or conjunctions. There are also problems with verb forms and agreement, such as “i did not think this such technology improvement made fast,” and with articles and sentence construction in “If we lost cash we could not find cash.” Practise building accurate short sentences first, then combine them using clear conjunctions and correct tense patterns.

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