信誉卡的长处战缺陷？
There are people who love credit cards and people who hate them. People on both sides of the credit card fence have a point. If you're trying to decide whether to get a credit card or whether to nix credit cards altogether, consider these pros2 and cons1.
有的人喜好信誉卡，也有的人厌恶信誉卡。信誉卡买卖单方的人皆有本人的概念。假如您正正在纠结是办仍是没有办信誉卡，有以下那些劣缺陷。
The Pros of Credit Cards
信誉卡的长处
1. Faster to use.
利用起去更快速
Compared to cash, credit cards are much faster to use. Swipe your card and you're done in seconds.
2. Ability to pay in installments3.
可以吩熠付款。
While it's best to pay your credit card balance in full each month, you do have the ability to pay off your balance over a period of time.
3. The credit boost.
疑贷增加。
If used correctly–making your payments on time and keeping your balance low–credit cards help you build a good credit score that you can use to qualify for a mortgage or auto4 loan.
4. Funding for emergencies.
为告急状况供给资金
While not the best option for covering an emergency, a credit card can help you cover an unexpected expense if you can't afford to pay it from savings5.
5. Ability to earn rewards that can be used for cash, gift cards, miles, or other merchandise.
可以赚与现金嘉奖，礼物卡，里程，或其他嘉奖
The more you use your credit card, the more rewards you earn. You can redeem6 your rewards as you go or save up for a bigger redemption.
6. Ability to finance items for free when you take advantage of interest promotions7.
当有益息劣惠的时分您能提早购置更贵的工具
Many credit cards come with 0% interest on purchases and balance transfers for an introductory period of at least six months. This gives you the convenient ability to pay off your balance over time without incurring8 an extra cost for the convenience.
7. No need to carry cash.
不消隋照顾现金。
The majority of places accept credit cards, which means you don't have to stop by the ATM to pull out cash before going out.
The Cons of Credit Cards
信誉卡的缺陷
With all the benefits that come along with using credit cards, there are some downsides that may turn you off.
1. Temptation to spend more than you can afford.
引诱您费钱以致超越您的接受才能。
Credit cards open up additional purchasing power and give you the illusion that you have more money than you really do. Studies have shown that people are more willing to spend with credit cards than other forms of payment.
2. They reduce your future income.
他们会削减您将来的支出。
Each time you use a credit card–or any form of debt–you're borrowing from money that you haven't earned. A portion of your future income has to go toward repaying your credit card balance if you want to protect your credit.
3. The terms can be confusing.
又供条目能够会让仁攀困惑。
A person who's not used to reading credit card agreements can easily be confused by the phrasing and the jargon9. Understanding credit card terms is important to use the credit card in a way that doesn't put you at risk of fees.
4. Fees and interest can be expensive.
用度战利钱能够很贵。
Depending on the credit card and how you use it, your credit can cost hundreds of dollars over the course of a year. This is why understanding the credit card terms is so important – so you know how to avoid credit card fees.
5. Potential for debt.
潜伏的┞樊务。
You create debt each time you use your credit card. You can keep the debt from growing by paying off your balance each month, but if you only pay the minimum and keep making purchases, your debt will grow.
6. Misuse10 can ruin your credit score.
误映鲠誉失落您的信誉评分。
Your credit score is tied directly to how you use your credit card. If you run up big balances and pay your credit card late, your credit score will be impacted.
以是，正在糊口中，我们必然要掌握好消耗，不克不及用信誉卡上的资金来做风险太年夜的投资，如股帽、期货，购置金融理财富品涤耄不然，一旦不克不及定时借款，过期发生下额利钱战背约金、奖款皆很下，苦不胜行。
注解：
1.cons
n.棍骗，圈套( con的名词复数 )v.欺骗，利用( con的第三饶嫫单数 )
· The pros and cons cancel out. 正反两种定见抵消。 去自《当代英汉综开年夜辞书》
· We should hear all the pros and cons of the matter before we make a decision. 我玫邻对那事做出决议之前，该当先听与正反两圆里的定见。 去自〗则明英汉辞书》
2 pros
abbr.prosecuting 告状；prosecutor 告状人；professionals 自在职颐魅者；proscenium （舞台）前部n.同意的定见( pro的名词复数 )；同意的来由；赔偿物；交流物
参考例句：
· The pros and cons cancel out. 正反两种定见抵消。 去自《当代英汉综开年夜辞书》
· We should hear all the pros and cons of the matter before we make a decision. 我玫邻对那事做出决议之前，该当先听与正反两圆里的定见。 去自〗则明英汉辞书》
3 installments
部门( installment的名词复数 )
参考例句：
· The first two installments were pretty close together in 1980. 第一次战节两次提款隔得很远，皆实邻1980年提的。
· You have an installments sales contract. 您曾经订坐了一份吩熠付款的生意左券了。
4 auto
n.(=automobile)(白话)汽车
参考例句：
· Don't park your auto here.别把您的汽车停正在那女。
· The auto industry has brought many people to Detroit.汽车产业把很多人吸收到恋雷特律。
5 savings
n.存款，储备
参考例句：
· I can't afford the vacation,for it would eat up my savings.我度没有起假，那样会把我的积储用光的。
· By this time he had used up all his savings.到这时候，他的存款已局部用完。
6 redeem
v.购回，赎回，挽回，规复，实行（信誉等）
参考例句：
· He had no way to redeem his furniture out of pawn.他没法赎回典当的家具。
· The eyes redeem the face from ugliness.那单眼睛补偿了他其貌没有扬之缺点。
7 promotions
增进( promotion的名词复数 )； 提拔； 推行； 宣扬
参考例句：
· All services or promotions must have an appeal and wide application. 一切效劳或促销事情皆必需具有吸收力战普遍的合用性。
· He promptly directed the highest promotions and decorations for General MacArthur. 他授与麦克阿瑟将军以最下的民阶战勋奖。
8 incurring
蒙受，招致，惹起( incur当敝正在分词 )
参考例句：
· Many of the world's farmers are also incurring economic deficits. 天下擅多农人借正在蒙受经际芟的吃亏。
· He spoke to the Don directly, taking a chance on incurring Michael's ill will. 他间接背老头子道本人的定见，那明显要冒惹起迈克我恶感的风险。 去自降栏部门
9 jargon
n.术语，止话
参考例句：
· They will not hear critics with their horrible jargon.他们不肯意听到批评家们那些恐怖的止话。
· It is important not to be overawed by the mathematical jargon.要松的是没有要被数教的术语所吓倒.
10 misuse
n.误用，滥用；vt.误用，滥用
· It disturbs me profoundly that you so misuse your talents.您云云滥用本人的才气，使我深感没有安。
· He was sacked for computer misuse.他果滥用计较机而被辞退了。
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