IELTS SPEAKING FORECAST Q3/2024 – PART 1: Credit cards

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IELTS Speaking Part 1 Questions

Topic: Credit cards

1. Would you prefer using cash or banking transfer?
2. Have you ever bought something on your credit card?
3. Have you ever bought something that went over your budget?
4. Have you ever been in debt to somebody?

SAMPLE

1. Would you prefer using cash or banking transfer?

Online banking definitely. The modern world is heading towards a cash-free world nowadays. You know, literally I can buy everything now with just a click on my phone. It is fast, convenient and super secure. However, sometimes I still have trouble if I dont bring cash, especially when I go to remote areas haha.

2. Have you ever bought something on your credit card?

I did. I first used my credit card at a high-end restaurant. Actually at first I intended to pay through online banking, but the restaurant did not allow paying by banking account. It was quite interesting when I saw the waitress swiping my card through the card-reader. Love it!

3. Have you ever bought something that went over your budget?

Never. I am quite strict with myself on budgeting. Whenever I buy something, there will be careful consideration regarding the cost of the items I spend money on, so yeah, over budgeting is not in my dictionary.

4. Have you ever been in debt to somebody?

Actually, yes. It is not because I don’t have money, but as I remember, it is more about the fact that I dropped my wallet somewhere and I had to lock my banking account. I needed money for an emergency at that time so I borrowed some from my friend. Later I paid them back. My debt is only short-term, not long-term.

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